Lease Car Credit Limited

Reference number: 724459

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

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, 1 thing worth a closer look

  • When lcccapital.co.uk first appeared online, and whether it can receive email
  • What kind of line 01798 667677 is
  • Who else gives the postcode GU28 0JG
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Other names (1)

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

  • LCC Capital Trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

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 (5 permissions)
  • Credit Broking
  • 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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
09656258
Company status
Active
Company type
Private limited company
Incorporated
25 June 2015 (11 years old)
Registered office
41b Beach Road, Littlehampton, West Sussex, BN17 5JA, England
Nature of business
  • Renting and leasing of cars and light motor vehicles (SIC 77110)

Directors and company secretaries

Name Role Born Appointed Other companies
James Oliver Dering Harris Director Aug 1974 25 Jun 2015 None
Oliver Dering Harris Director Oct 1944 25 Jun 2015 15 other companies

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
15
closed down
10
went insolvent
2

In the full report: all 15 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The one on the FCA register
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Filed accounts and finances

Year to 31 December 2024Small company accountsNot audited

Net assets

£310k

−19% from £383k

Cash at bank

£44.2k

−57% from £103k

Employees (average)

4

Same as 4

Owed within a year

£149k

−39% from £244k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2024
  • 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 09656258. 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

Lease Car Credit’s history from the FCA register and Companies House, newest first.

Key events (7) All events (12)

2022

29 March 2022

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2016

6 April 2016

  • James Oliver Dering Harris became a part-owner (25–50% of shares)
  • Nicholas Leo Dering Harris became a part-owner (25–50% of shares)
  • Oliver Dering Harris became a part-owner (25–50% of shares)

Companies House

30 March 2016

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

FCA register

2015

25 June 2015

  • Incorporated at Companies House

Companies House

In the full report: all 12 events

  • All 12 events in its history (7 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Lease Car Credit

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Lease Car Credit

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

In the Guildford (GU) postcode area

Bmw Financial Services (GB) LimitedFarnboroughAuthorisedAlphabet (GB) LimitedFarnboroughAuthorisedMoneybarn No.1 LimitedPetersfieldAuthorised12 Finance LimitedWokingAuthorisedClocktower Support LimitedWokingAuthorisedIn-Sync Credit Services LimitedFarnhamAuthorised

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 Lease Car Credit

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

  • 15 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 12 events in its history

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Frequently asked questions about this firm

Is Lease Car Credit Limited FCA authorised?
Yes, Lease Car Credit Limited (FRN 724459) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Lease Car Credit’s phone number and website?
The FCA register lists the phone number 01798 667677 and the website lcccapital.co.uk for Lease Car Credit. If you were given different contact details, use these to check with the firm before going any further.
Is Lease Car Credit a scam or clone?
Scammers have impersonated Lease Car Credit: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Lease Car Credit, shown on this page.
Is my money safe with Lease Car Credit?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Lease Car Credit handles your money, so check the specific product before you commit. You can also refer complaints about Lease Car Credit to the Financial Ombudsman Service, free of charge.
Who owns Lease Car Credit?
Companies House lists 3 people with significant control of Lease Car Credit: Mr James Oliver Dering Harris (25–50% of shares), Mr Oliver Dering Harris (25–50% of shares) and Mr Nicholas Leo Dering Harris (25–50% of shares).
Who runs Lease Car Credit?
Companies House lists 2 directors of Lease Car Credit: James Oliver Dering Harris and Oliver Dering Harris.
How long has Lease Car Credit been in business?
The company was formed on 25 June 2015, and has held its current FCA authorisation since March 2016.
What do Lease Car Credit’s latest accounts show?
Its latest accounts, to 31 December 2024, show net assets of £310k (−19% from £383k) and cash at bank of £44.2k (−57% from £103k).
Does Lease Car Credit use any other names?
It trades as LCC Capital.

Sources and links

The full report on Lease Car Credit Limited

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