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.
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No website on the FCA register
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No phone number on the FCA register
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Address
Forest House, Bishops Down Park Road, Tunbridge Wells, Kent, TN4 8XS, United Kingdom
In the full report: 1 background check
- Who else gives the postcode TN4 8XS
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis 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
- 16726558 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 18 September 2025 (1 year old)
- Registered office
- Suite F4 Prospect House, 11-13 Lonsdale Gardens, Tunbridge Wells, Kent, TN1 1NU, United Kingdom
- Nature of business
-
- Other credit granting not elsewhere classified (SIC 64929)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Andrew Stephen Cureton | Director | Feb 1973 | 18 Sep 2025 | 3 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
- 3
- still active
- 3
In the full report: all 3 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
Key dates in its history
Loyalty Capital’s history from the FCA register and Companies House, newest first.
2025
13 November 2025
- Registered with the FCA
FCA register
21 October 2025
- Began trading as "Loyalty Capital"
FCA register
18 September 2025
- Incorporated at Companies House
- Loyalty Capital Holdings Ltd took control (75–100% of shares)
- Andrew Stephen Cureton appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Get the full report on Loyalty Capital
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 3 other companies its directors have run, named
- 1 background check on its contact details
- All 5 events in its history
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Frequently asked questions about this firm
Is Loyalty Capital Limited FCA authorised?
Is Loyalty Capital a scam or clone?
Is my money safe with Loyalty Capital?
Who owns Loyalty Capital?
Who runs Loyalty Capital?
How long has Loyalty Capital been in business?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk