Hs Credit (London) Ltd

Reference number: 998506

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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.

  • No website on the FCA register

  • Phone number

    0161 302 2784

  • Address

    HS Credit (London) Limited, Brighton Road, Stockport, Greater Manchester, SK4 2BE, United Kingdom

In the full report: 2 background checks

  • What kind of line 0161 302 2784 is
  • Who else gives the postcode SK4 2BE
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Past FCA permissions and consumer protection

  • Money-laundering registration only
    This 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 number
12484563
Company status
Active
Company type
Private limited company
Incorporated
26 February 2020 (6 years old)
Registered office
7-8 Brighton Road, Stockport, Cheshire, SK4 2BE, United Kingdom
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Yee Leng Cheah Director Nov 1968 26 Feb 2020 5 other companies
Chen Keck Puan Director Nov 1957 1 Jul 2025 3 other companies
TMF CORPORATE ADMINISTRATION SERVICES LIMITED Corporate secretary Not published 26 Feb 2020 –

Other companies run by these 2 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 companies
5
still active
5
are FCA-registered
2

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • The 3 companies these 2 directors run together
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2022Dormant company accountsNot audited

Net assets

£1

Same as £1

Cash at bank

£1

Same as £1

These accounts were filed as dormant: the company reported no significant trading in the period.

Net assets

About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

Accounts filed at Companies House for company 12484563. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Hs Credit (London)’s history from the FCA register and Companies House, newest first.

Key events (3) All events (7)

2023

20 September 2023

  • Registered with the FCA

FCA register

2020

26 February 2020

  • Incorporated at Companies House
  • Yu Chak Lau became the majority owner (50–75% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (3 shown here)
  • Every director appointment and resignation: 4
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Firms connected to Hs Credit (London)

Other FCA-listed firms that share a director, phone number or address with Hs Credit (London). A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Get the full report on Hs Credit (London)

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 5 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 7 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 (London) Ltd FCA authorised?
Hs Credit (London) Ltd (FRN 998506) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is Hs Credit (London)’s phone number?
The FCA register lists the phone number 0161 302 2784 for Hs Credit (London). If you were given different contact details, use these to check with the firm before going any further.
Is Hs Credit (London) a scam or clone?
Hs Credit (London) is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Hs Credit (London)?
Money you hand to Hs Credit (London) is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Hs Credit (London)?
Companies House lists one person with significant control of Hs Credit (London): Mr Yu Chak Lau (50–75% of shares).
Who runs Hs Credit (London)?
Companies House lists 2 directors of Hs Credit (London): Yee Leng Cheah and Chen Keck Puan.
How long has Hs Credit (London) been in business?
The company was formed on 26 February 2020.
What do Hs Credit (London)’s latest accounts show?
Its latest accounts, to 31 December 2022, show net assets of £1 (same as £1) and cash at bank of £1 (same as £1).

Sources and links

The full report on Hs Credit (London) Ltd

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