HT Finance Ltd

Reference number: 821383

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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.

In the full report: 3 background checks

  • When carloans365.com first appeared online, and whether it can receive email
  • What kind of line 0161 410 3365 is
  • Who else gives the postcode M33 7RR
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Other names (10)

If you were contacted under any of these names, it is this firm.

  • Bad Credit Leasing Trading name
  • Benefit Car Finance Trading name
  • Car Finance UK Trading name
  • Car Loans 365 Trading name
  • carloans365.com Trading name
  • Drive with Miles Trading name
  • Easy Car Loans Trading name
  • Happy Car Credit Trading name
  • My Car Finance Trading name
  • Car Finds UK Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
11481948
Company status
Active
Company type
Private limited company
Incorporated
25 July 2018 (8 years old)
Registered office
Carloans 365 Floor 2, Jackson House, Sibson Road, Sale, M33 7RR, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Eric Melvyn Kilby Director Jul 1944 25 Jul 2018 18 other companies
Jamie Taylor Director Jul 1992 25 Jul 2018 1 other company
Jack Gale Director Jun 1991 21 Dec 2021 3 other companies
Christopher Meachin-Black Director Oct 1986 24 Mar 2025 None

Other companies run by these 4 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
22
closed down
6
is FCA-registered
1

In the full report: all 22 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 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
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Filed accounts and finances

Year to 31 August 2025Small company accountsNot audited

Net assets

−£308k

Down £233k from −£74.9k

Cash at bank

£649k

+153% from £256k

Employees (average)

104

+76% from 59

Owed within a year

£4.05m

+104% from £1.98m

Net assets are negative: on its last balance sheet the company owed £308k more than it owned.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 11481948. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

HT Finance’s history from the FCA register and Companies House, newest first.

Key events (6) All events (25)

2022

2 May 2022

  • Eric Melvyn Kilby stopped being a part-owner

Companies House

2018

7 November 2018

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

25 July 2018

  • Incorporated at Companies House
  • Eric Melvyn Kilby became a part-owner (25–50% of shares)
  • Jamie Taylor became a part-owner (25–50% of shares)

Companies House

In the full report: all 25 events

  • All 25 events in its history (6 shown here)
  • Every director appointment and resignation: 6
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Firms connected to HT Finance

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

connected firms
5
share its postcode
5
past link
1

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like HT Finance

Other firms of the same type (credit broker), nearest first.

In Manchester

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Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on HT Finance

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

  • 22 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 25 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is HT Finance Ltd FCA authorised?
Yes, HT Finance Ltd (FRN 821383) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2018 and works as a credit broker. The FCA has placed no limits on its permissions.
What is HT Finance’s phone number and website?
The FCA register lists the phone number 0161 410 3365 and the website carloans365.com for HT Finance. If you were given different contact details, use these to check with the firm before going any further.
Is HT Finance a scam or clone?
HT Finance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with HT Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how HT Finance handles your money, so check the specific product before you commit. You can also refer complaints about HT Finance to the Financial Ombudsman Service, free of charge.
Who owns HT Finance?
Companies House lists one person with significant control of HT Finance: Mr Jamie Taylor (25–50% of shares). Before that, it was controlled by Mr Eric Melvyn Kilby.
Who runs HT Finance?
Companies House lists 4 directors of HT Finance: Eric Melvyn Kilby, Jamie Taylor, Jack Gale and Christopher Meachin-Black.
How long has HT Finance been in business?
The company was formed on 25 July 2018, and has held its current FCA authorisation since November 2018.
What do HT Finance’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of −£308k (down £233k from −£74.9k) and cash at bank of £649k (+153% from £256k).
Does HT Finance use any other names?
It trades as Bad Credit Leasing, Benefit Car Finance, Car Finance UK, Car Loans 365 and carloans365.com, and 4 more names. It has previously used the name Car Finds UK.

Sources and links

The full report on HT Finance Ltd

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