MBNA Limited

Reference number: 204487

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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 mbna.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 7626 1500 is
  • Who else gives the postcode CH4 9FB
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Other names (4)

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

  • Black Horse Trading name
  • MBNA Europe Bank Limited Former name
  • MBNA International Bank Limited Former name
  • nuba Former trading name

FCA permissions and consumer protection

  • Hold or safeguard your money · Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (18 permissions)
  • 1. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
  • 2. Services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account.
  • 3. Executing payment transactions (no credit line)
  • 4. Executing payment transactions (credit line)
  • 5. Issuing and/or acquiring of payment instruments.
  • 7. Payment initiation services
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt Administration
  • Debt-collecting
  • 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)
  • Making arrangements with a view to transactions in investments
  • Providing Credit Information Services

FCA disciplinary action and Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
306
upheld, against a 31% median
23%
about banking and credit
305

A bigger firm gets more complaints simply because it has more customers.

Customer compensation schemes

The FCA has ordered this firm to review past sales and pay back customers who lost out.

  • August 2013 Following a finding of mis-selling against Card Protection Plan Limited ('CPPL'), in respect of those customers who were mis-sold policies.
The FCA's wording
  • Amendment to a consumer redress exercise
    The Requirements became effective on 13 August 2013. The Requirements shall be supplemented as follows: The definition of 'Scheme of Arrangement' at paragraph 1.28 of the Requirements shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 as sanctioned by the Court on 14 January 2014 (as subsequently modified in accordance with its terms) and as described more particularly in Annex 1 to this Supplemental Requirement. Changes to the Scheme of Arrangement as appended to Part 1 of Annex C to the Requirements are highlighted through underlined or struck through text. All references in the Requirements to Scheme Document shall be references to the Scheme of Arrangement described more particularly in Annex 1 hereto. Paragraph 5.1 of Part 3 of Annex C of the Requirements shall be amended so as to read as follows: ”If a Scheme Creditor disagrees with the amount of compensation payable to him, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.5 and 4.8 of the Scheme Document. If a Scheme Creditor disagrees with the rejection of his Claim Form by the Scheme Administrators, and provided that the Claim Form was received on or before 22 July 2016, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.7 to 4.9 of the Scheme Document.
  • Firm must undertake a consumer redress exercise
    The firm is required to establish and operate a consumer redress scheme following a finding of mis-selling against Card Protection Plan Limited ('CPPL'), in respect of those customers who were mis-sold policies. 'Policies' (or 'policy') means CPPL's Card Protection Product, where the sale (or renewal) was on or after 14 January 2005 and was before the relevant Amendment Date (as defined in the scheme documentation); and/or CPPL's Identity Protection Product, where the sale (or renewal) was on or after 14 January 2005 and the sale was by telephone. The amount of redress may be calculated to off-set any claims made under the policy. This customer redress scheme must be implemented no later than 30 April 2014. Such consumer redress scheme shall be binding on the Financial Ombudsman Service. Further details are available on the FCA website: www.fca.org.uk

Companies House record

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

Company number
02783251
Company status
Active
Company type
Private limited company
Incorporated
25 January 1993 (33 years old)
Registered office
Cawley House, Chester Business Park, Chester, CH4 9FB, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Melanie Candice Campbell Director May 1974 29 Sep 2023 1 other company
Alan Mark North Director Oct 1977 28 Jul 2025 7 other companies
Hiral Gogoi Director Aug 1979 31 Mar 2026 5 other companies
Adam Paul Lishman Director Apr 1981 20 May 2026 5 other companies
Jennifer Jill Mcaleer Director Feb 1971 13 Oct 2026 1 other company
Alison Elizabeth Mulholland Secretary Not published 1 Jan 2008 –

Other companies run by these 5 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
18
closed down
2
went insolvent
4

In the full report: all 18 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • The 4 that went into liquidation or administration
  • The 2 on the FCA register
  • The 1 company these 5 directors run together
  • All 80 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (13) All events (174)

2022

30 November 2022

  • Bank Of Scotland PLC took control (75–100% of shares)
  • Lloyds Bank PLC gave up control

Companies House

2017

1 June 2017

  • Fia UK Funding Limited gave up control
  • Lloyds Bank PLC took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Fia UK Funding Limited took control (75–100% of shares)

Companies House

2013

22 August 2013

  • FCA ordered a customer compensation scheme

FCA register

1 April 2013

  • Regulated by the FCA from this date

FCA register

2012

20 December 2012

  • Changed its registered name from "MBNA Europe Bank Limited"

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

30 November 2001

  • Changed its registered name from "MBNA International Bank Limited"

FCA register

1998

1 June 1998

  • Regulated by the Financial Services Authority from this date

FCA register

1993

25 January 1993

  • Incorporated at Companies House

Companies House

In the full report: all 174 events

  • All 174 events in its history (13 shown here)
  • Every director appointment and resignation: 152
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Firms connected to Mbna

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

connected firms
2
share a director
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2)
  • Who links each one: the named directors, with dates
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Firms like Mbna

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

In Chester

Specialist Motor Finance LimitedChesterAuthorisedCredit Solutions International LimitedChesterAuthorisedFJM (NW) LimitedChesterAuthorisedIsebrook SuppliesChesterAuthorisedLdf Finance No. 2 LimitedChesterAuthorisedLDF Finance No. 3 LimitedChesterAuthorised

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 Mbna

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

  • 18 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 174 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is MBNA Limited FCA authorised?
Yes, MBNA Limited (FRN 204487) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a lender. The FCA has placed no limits on its permissions.
What is Mbna’s phone number and website?
The FCA register lists the phone number 020 7626 1500 and the website mbna.co.uk for Mbna. If you were given different contact details, use these to check with the firm before going any further.
Is Mbna a scam or clone?
Mbna 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 Mbna?
It may control client money but not hold it. It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount, and eligible claims may be protected by the FSCS. You can also refer complaints about Mbna to the Financial Ombudsman Service, free of charge.
Who owns Mbna?
Mbna is owned by Bank Of Scotland PLC, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 30 November 2022. Before that, it was controlled by Lloyds Bank PLC and Fia UK Funding Limited.
Who runs Mbna?
Companies House lists 5 directors of Mbna: Melanie Candice Campbell, Alan Mark North, Hiral Gogoi, Adam Paul Lishman and Jennifer Jill McAleer.
How long has Mbna been in business?
The company was formed on 25 January 1993, and has held its current FCA authorisation since December 2001.
How many complaints does Mbna get?
In January–June 2025, the Financial Ombudsman Service received 306 new complaints about Mbna, and upheld 23% of those it decided.
Does Mbna use any other names?
It trades as Black Horse. It has previously used 3 other names: MBNA Europe Bank Limited, MBNA International Bank Limited and nuba.

Sources and links

The full report on MBNA Limited

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