LDF Ops Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 11 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 1999

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.

Website

whiteoakuk.com (opens in a new tab)
Phone number

01244 527300
Address

White Oak UK, Sixth Floor, 58 Waterloo Street, Glasgow, Glasgow City, G2 7DA, United Kingdom

In the full report: 3 background checks

When whiteoakuk.com first appeared online, and whether it can receive email
What kind of line 01244 527300 is, and the 4 other firms that give it
Who else gives the postcode G2 7DA

Other names (10)

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

LDF Trading name: A name it trades under now.
White Oak Trading name: A name it trades under now.
White Oak ABL Trading name: A name it trades under now.
White Oak Credit Services Europe Trading name: A name it trades under now.
White Oak Europe Trading name: A name it trades under now.
White Oak Invoice Finance Trading name: A name it trades under now.
White Oak Leases & Loans Trading name: A name it trades under now.
White Oak Management Services Europe Trading name: A name it trades under now.
White Oak UK Trading name: A name it trades under now.
First Independent Finance Limited Former name: A name it was registered under before.

FCA permissions and consumer protection

Lend or arrange credit · Hire out goods to consumers 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 (8 permissions)

Credit Broking
Debt Adjusting
Debt Administration
Debt-counselling
Entering into Regulated Consumer Hire Agreements as owner
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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: SC198910 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 10 August 1999 (27 years old)
Registered office: Sixth Floor, 58 Waterloo Street, Glasgow, G2 7DA, Scotland
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Thomas Andrew Davies	Director	May 1971	17 Nov 2015	10 other companies
Thomas Otte	Director	May 1955	11 Mar 2022	16 other companies
Kevin Berry	Director	Aug 1991	11 Mar 2022	11 other companies
Douglas Banks	Director	Apr 1969	26 Apr 2022	11 other companies
Ross Samuel Rutherford	Secretary	Not published	14 Aug 2019	–

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: 20
closed down: 4
are FCA-registered: 10

In the full report: all 20 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 10 on the FCA register
The 13 companies these 4 directors run together
All 33 people who have ever been directors, with their dates

Key dates in its history

LDF Ops’s history from the FCA register and Companies House, newest first.

Key events (5) All events (82)

2017

5 September 2017

Changed its registered name from "First Independent Finance Limited"

FCA register

2016

6 April 2016

Ldf Group Finance Limited took control (75–100% of shares)

Companies House

2014

19 December 2014

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

FCA register

1999

10 August 1999

Incorporated at Companies House

Companies House

In the full report: all 82 events

All 82 events in its history (5 shown here)
Every director appointment and resignation: 66

Firms connected to LDF Ops

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

connected firms: 10
share a director: 10
share its phone number: 4

In the full report: all 10 connected firms, named

How each is linked: shared directors (10), the same phone number (4)
Who links each one: the named directors, with dates

Firms like LDF Ops

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

In Glasgow

University Court of the University of GlasgowGlasgowAuthorised Affordable Finance (South) LimitedGlasgowAuthorised Alex Munro LimitedGlasgowAuthorised Argyle Consulting LimitedGlasgowAuthorised Caledonian Consumer Finance LtdGlasgowAuthorised Carnegie Consumer Finance LimitedGlasgowAuthorised

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 LDF Ops

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

20 other companies its directors have run, named
3 background checks on its contact details
All 82 events in its history
10 connected firms, named, and who links them

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Frequently asked questions about this firm

Is LDF Ops Limited FCA authorised?

Yes, LDF Ops Limited (FRN 625155) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2014 and works as a lender. The FCA has placed no limits on its permissions.

What is LDF Ops’ phone number and website?

The FCA register lists the phone number 01244 527300 and the website whiteoakuk.com for LDF Ops. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 4 other FCA firms.

Is LDF Ops a scam or clone?

LDF Ops 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 LDF Ops?

It is permitted to hold and control client money, which it must keep separate from its own. Protection depends on which product you hold and how LDF Ops handles your money, so check the specific product before you commit. You can also refer complaints about LDF Ops to the Financial Ombudsman Service, free of charge.

Who owns LDF Ops?

LDF Ops is owned by Ldf Group Finance Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.

Who runs LDF Ops?

Companies House lists 4 directors of LDF Ops: Thomas Andrew Davies, Thomas Otte, Kevin Berry and Douglas Banks.

How long has LDF Ops been in business?

The company was formed on 10 August 1999, and has held its current FCA authorisation since December 2014.

Does LDF Ops use any other names?

It trades as LDF, White Oak, White Oak ABL, White Oak Credit Services Europe and White Oak Europe, and 4 more names. It has previously used the name First Independent Finance Limited.