Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
Responsible principal firm
Peregrine Asset Finance Limited Reference number: 649227 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- LBI Capital Limited (FRN 1060042) is an AR of Peregrine Asset Finance Limited (FRN 649227). When you use LBI Capital's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from LBI Capital, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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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No website on the FCA register
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Phone number
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Address
3 Maple House, Wykeham Road, Northminster Business Park, Upper Poppleton, York, York, YO26 6QW, United Kingdom
In the full report: 2 background checks
- What kind of line 07887 557576 is
- Who else gives the postcode YO26 6QW
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Peregrine Asset Finance Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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
- 16911981 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 15 December 2025 (less than a year old)
- Registered office
- 3 Maple House Wykeham Road, Northminster Business Park, York, North Yorkshire, YO26 6QW, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Steven Adam Spenceley | Director | Aug 1971 | 15 Dec 2025 | 7 other companies |
Other companies run by its director
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
- 7
- closed down
- 1
- are FCA-registered
- 4
In the full report: all 7 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The 4 on the FCA register
Key dates in its history
LBI Capital’s history from the FCA register and Companies House, newest first.
2026
18 September 2026
- Highland Finance Ltd stopped being a part-owner
Companies House
4 September 2026
- Became an appointed representative
FCA register
7 July 2026
- Highland Finance Ltd became a part-owner (25–50% of shares)
Companies House
2025
15 December 2025
- Incorporated at Companies House
- Steven Adam Spenceley took control (75–100% of shares)
- Steven Adam Spenceley appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to LBI Capital
Other FCA-listed firms that share a director, phone number or address with LBI Capital. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 3
- share its postcode
- 3
In the full report: all 3 connected firms, named
- How each is linked: shared directors (3), the same postcode (3)
- Who links each one: the named directors, with dates
- 1 past link through former directors
Firms like LBI Capital
Other firms of the same type (credit broker), nearest first.
In York
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 LBI Capital
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 7 other companies its directors have run, named
- 2 background checks on its contact details
- All 6 events in its history
- 3 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk