Msl Legal Expenses Ltd
Reference number: 311676
Instant download
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.
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Website
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Phone number
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Address
5400 Lakeside, Cheadle Royal Business Park, Cheadle, Cheshire, SK8 3GQ, United Kingdom
In the full report: 3 background checks
- When msl.co.uk first appeared online, and whether it can receive email
- What kind of line 0161 822 0088 is
- Who else gives the postcode SK8 3GQ
Other names (6)
If you were contacted under any of these names, it is this firm.
- MSL Trading name: A name it trades under now.
- Motorist Services Ltd Former name: A name it was registered under before.
- MSL Legal Expenses Insurance Limited Former name: A name it was registered under before.
- MSL Group Former trading name: A name it used to trade under.
- MSL Medical Reporting Former trading name: A name it used to trade under.
- Opsium Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Give regulated advice FSCS may applyA 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 applyEligible 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 applyEligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
- Claims management No FSCS coverMoney you pay a claims company is not FSCS protected, but FCA rules cap what it may charge you for a financial services claim. Complaints about this firm go to the Financial Ombudsman Service free of charge.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (6 permissions)
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- Arranging (bringing about) deals in investments
- Assisting in the administration and performance of a contract of insurance
- Dealing in investments as agent
- Making arrangements with a view to transactions in investments
- Seeking out, referrals and identification of claims or potential claims (personal injury claim; financial services or financial product claim; housing disrepair claim; claim for a specified benefit; criminal injury claim; employment related claim)
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
- 02210857 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 January 1988 (38 years old)
- Registered office
- 5400 Lakeside Cheadle Royal Business Park, Cheadle, SK8 3GQ, England
- Nature of business
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- Non-life insurance (SIC 65120)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Nicholas David Garner | Director | Sep 1978 | 1 Jan 2006 | 15 other companies |
| Deven Thakrar | Director | May 1965 | 13 May 2019 | 9 other companies |
| David Anthony Ross | Director | Jul 1963 | 1 Jul 2020 | 5 other companies |
| Elaine Valerie Parkes | Director | Mar 1966 | 17 Jan 2025 | 4 other companies |
| Lucy Ashmore | Director | Mar 1982 | 10 Oct 2025 | None |
| Simon Richard Drew | Director | Oct 1969 | 7 Aug 2026 | 2 other companies |
| Serena Angela Garner | Secretary | Not published | 25 Jul 2013 | – |
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
- 26
- closed down
- 15
- are FCA-registered
- 6
In the full report: all 26 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 6 on the FCA register
- The 4 companies these 6 directors run together
- All 18 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£1.74m
+6.1% from £1.64m
Cash at bank
£25.8k
−68% from £80.4k
Employees (average)
30
−6.3% from 32
Owed within a year
£9.68m
<1% from £9.59m
No turnover or profit for the year to 31 December 2025: the accounts print them but do not tag them. The last tagged figures are £4.09m turnover and £109k profit, for the year to 31 December 2021.
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2019 to 2025
- Both charts, over every year
- Every filed figure, year by year
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.
Accounts filed at Companies House for company 02210857. 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
Msl Legal Expenses’s history from the FCA register and Companies House, newest first.
2019
19 September 2019
- Drive Further Ltd took control (75–100% of shares)
- Nicholas David Garner no longer has significant control
Companies House
31 March 2019
- No longer regulated by the Claims Management Regulator
FCA register
2016
6 April 2016
- Nicholas David Garner gained significant control
Companies House
2013
1 April 2013
- Regulated by the FCA from this date
FCA register
2007
22 April 2007
- Regulated by the Claims Management Regulator from this date
FCA register
2005
25 January 2005
- Changed its registered name from "MSL Legal Expenses Insurance Limited"
FCA register
21 January 2005
- Changed its registered name from "Motorist Services Ltd"
FCA register
14 January 2005
- Regulated by the Financial Services Authority from this date
- Became authorised by the FCA
FCA register
1988
14 January 1988
- Incorporated at Companies House
Companies House
In the full report: all 51 events
- All 51 events in its history (11 shown here)
- Every director appointment and resignation: 29
Firms connected to Msl Legal Expenses
Other FCA-listed firms that share a director, phone number or address with Msl Legal Expenses. 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
- 4
In the full report: all 4 connected firms, named
- How each is linked: shared directors (4), the same postcode (4)
- Who links each one: the named directors, with dates
- 2 past links through former directors
Firms like Msl Legal Expenses
Other firms of the same type (insurance broker), nearest first.
In Cheadle
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 Msl Legal Expenses
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 26 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 51 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Check your FSCS cover fscs.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk