HS Credit (Birmingham) Limited
Reference number: 913378
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On the register, but not FCA authorised
This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.
What does this mean?
- Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
- What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
- It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
- So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.
Website, phone number and address
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
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Phone number
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Address
Brighton Road, Stockport, Greater Manchester, SK4 2BE, United Kingdom
In the full report: 3 background checks
- When hscredit.co.uk first appeared online, and whether it can receive email
- What kind of line 07805 385279 is
- Who else gives the postcode SK4 2BE
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
FCA disciplinary action and complaints
No FCA disciplinary action.
The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company name
- HS CREDIT (BIRMINGHAM) LTD
- Company number
- 11233817 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 March 2018 (8 years old)
- Registered office
- Suite 1, 7th Floor 50 Broadway, London, SW1H 0DB, United Kingdom
- Nature of business
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- Other credit granting not elsewhere classified (SIC 64929)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Chi Kin Tsang | Director | Jun 1965 | 9 Oct 2023 | None |
| Kai-Uwe Dr. Seidenfuss | Director | Jul 1965 | 9 Oct 2023 | None |
| Stephen Lewis Jennings | Director | Jun 1960 | 1 Jul 2025 | 1 other company |
| VISTRA COSEC LIMITED | Corporate secretary | Not published | 30 Jun 2025 | – |
Other companies run by these 3 directors
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other company
- 1
- still active
- 1
- is FCA-registered
- 1
In the full report: all 1 company, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
- All 5 people who have ever been directors, with their dates
Key dates in its history
HS Credit (Birmingham)’s history from the FCA register and Companies House, newest first.
2019
1 October 2019
- Registered with the FCA
FCA register
2018
5 March 2018
- Incorporated at Companies House
- Yu Chak Lau became the majority owner (50–75% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (3 shown here)
- Every director appointment and resignation: 7
Firms connected to HS Credit (Birmingham)
Other FCA-listed firms that share a director, phone number or address with HS Credit (Birmingham). A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 1
- share its postcode
- 3
In the full report: all 3 connected firms, named
- How each is linked: shared directors (1), the same postcode (3)
- Who links each one: the named directors, with dates
Get the full report on HS Credit (Birmingham)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 3 background checks on its contact details
- All 10 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
Is HS Credit (Birmingham) Limited FCA authorised?
What is HS Credit (Birmingham)’s phone number and website?
Is HS Credit (Birmingham) a scam or clone?
Is my money safe with HS Credit (Birmingham)?
Who owns HS Credit (Birmingham)?
Who runs HS Credit (Birmingham)?
How long has HS Credit (Birmingham) been in business?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk