MI Vehicle Finance Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 10 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2005
369 Ombudsman complaints in January–June 2025

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

mannisland.co.uk (opens in a new tab)
Phone number

0330 123 0332
Address

Reading International Business Park, Reading, Berkshire, RG2 6AA, United Kingdom

In the full report: 3 background checks

When mannisland.co.uk first appeared online, and whether it can receive email
What kind of line 0330 123 0332 is
Who else gives the postcode RG2 6AA

Other names (10)

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

Mann Island Trading name: A name it trades under now.
Mann Island Finance Trading name: A name it trades under now.
Mann Island Vehicle Finance Trading name: A name it trades under now.
MI Finance Trading name: A name it trades under now.
Access Former trading name: A name it used to trade under.
Investec Asset Finance Former trading name: A name it used to trade under.
Mann Island Access Former trading name: A name it used to trade under.
Mann Island Finance Access Former trading name: A name it used to trade under.
MI Access Former trading name: A name it used to trade under.
MIVF Access Former trading name: A name it used to trade under.

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 (4 permissions)

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

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025: 369
upheld, against a 31% median: 46%
about banking and credit: 369

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

Companies House record

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

Company number: 05643927 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 5 December 2005 (20 years old)
Registered office: Reading International Business Park, Reading, RG2 6AA, England
Nature of business: Financial leasing (SIC 64910)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Andrew Stuart Hart	Director	May 1974	27 Apr 2016	12 other companies
James Stephen Collins	Director	May 1985	11 Sep 2019	9 other companies
Stephen Philip Budd	Director	Apr 1963	11 Sep 2019	6 other companies
Peter James Orton	Director	Mar 1970	11 Sep 2019	2 other companies
Noel Justin Sumner	Director	May 1973	10 Nov 2021	4 other companies
Margaret Dambudzo Zimunhu	Director	Sep 1981	10 Nov 2021	4 other companies
Connie Mei Ling Law	Secretary	Not published	23 Feb 2010	–

Other companies run by these 6 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: 6
are FCA-registered: 4

In the full report: all 15 companies, named

What each company does, and whether it is still trading
Which of these 6 directors sit on each board, and since when
Any that went into liquidation or administration
The 4 on the FCA register
The 8 companies these 6 directors run together
All 19 people who have ever been directors, with their dates

Key dates in its history

MI Vehicle Finance’s history from the FCA register and Companies House, newest first.

Key events (4) All events (56)

2016

30 August 2016

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

FCA register

6 April 2016

Investec Asset Finance PLC took control (75–100% of shares)

Companies House

2005

5 December 2005

Incorporated at Companies House

Companies House

In the full report: all 56 events

All 56 events in its history (4 shown here)
Every director appointment and resignation: 30

Firms connected to MI Vehicle Finance

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

connected firms: 4
share a director: 4
share its postcode: 2

In the full report: all 4 connected firms, named

How each is linked: shared directors (4), the same postcode (2)
Who links each one: the named directors, with dates

Firms like MI Vehicle Finance

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

In Reading

Virgin Media Mobile Finance LimitedReadingAuthorised Telefonica UK LimitedReadingAuthorised Investec Asset Finance PLCReadingAuthorised Macbeth Premium Finance LimitedReadingAuthorised McDaan LimitedReadingAuthorised Peter PalmerReadingAuthorised

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 MI Vehicle Finance

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
All 56 events in its history
4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is MI Vehicle Finance Limited FCA authorised?

Yes, MI Vehicle Finance Limited (FRN 718729) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2016 and works as a lender. The FCA has placed no limits on its permissions.

What is MI Vehicle Finance’s phone number and website?

The FCA register lists the phone number 0330 123 0332 and the website mannisland.co.uk for MI Vehicle Finance. If you were given different contact details, use these to check with the firm before going any further.

Is MI Vehicle Finance a scam or clone?

MI Vehicle Finance 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 MI Vehicle Finance?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how MI Vehicle Finance handles your money, so check the specific product before you commit. You can also refer complaints about MI Vehicle Finance to the Financial Ombudsman Service, free of charge.

Who owns MI Vehicle Finance?

MI Vehicle Finance is owned by Investec Asset Finance PLC, which holds 75–100% of shares, 75–100% of votes, can appoint and remove the board and held through a firm, since 6 April 2016.

Who runs MI Vehicle Finance?

Companies House lists 6 directors of MI Vehicle Finance: Andrew Stuart Hart, James Stephen Collins, Stephen Philip Budd, Peter James Orton, Noel Justin Sumner and Margaret Dambudzo Zimunhu.

How long has MI Vehicle Finance been in business?

The company was formed on 5 December 2005, and has held its current FCA authorisation since August 2016.

How many complaints does MI Vehicle Finance get?

In January–June 2025, the Financial Ombudsman Service received 369 new complaints about MI Vehicle Finance, and upheld 46% of those it decided.

Does MI Vehicle Finance use any other names?

It trades as Mann Island, Mann Island Finance, Mann Island Vehicle Finance and MI Finance. It has previously used 6 other names, including Access, Investec Asset Finance and Mann Island Access.