N.I.I.B. Group 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 1956
1,435 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

northridgefinance.com (opens in a new tab)
Phone number

0800 917 0923
Address

Bank Of Ireland, 1 Donegall Square South, Belfast, Northern Ireland, BT1 5LR, United Kingdom

In the full report: 3 background checks

When northridgefinance.com first appeared online, and whether it can receive email
What kind of line 0800 917 0923 is
Who else gives the postcode BT1 5LR

Other names (4)

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

Marshall Leasing Trading name: A name it trades under now.
Northridge Finance Trading name: A name it trades under now.
AA Car in a Box Former trading name: A name it used to trade under.
SsangYong Financial Services 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: 1,435
upheld, against a 31% median: 50%
about banking and credit: 1,434

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: NI003721 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 10 July 1956 (70 years old)
Registered office: 1 Donegall Square South, Belfast, BT1 5LR
Nature of business: Financial leasing (SIC 64910)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Ian George Wright	Director	Feb 1972	20 Dec 2012	6 other companies
George Higginson	Director	Oct 1963	26 Jan 2021	50 other companies
Thomas Wright	Director	Mar 1975	27 Oct 2022	None
James Dempster	Director	Apr 1971	1 Jun 2023	None
William Thompson	Director	May 1978	1 Mar 2024	None
Spencer Halil	Director	May 1971	1 Mar 2024	None
HILL WILSON SECRETARIAL LTD	Corporate secretary	Not published	28 Oct 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: 56
closed down: 37
are FCA-registered: 6

In the full report: all 56 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
All 27 people who have ever been directors, with their dates

Key dates in its history

N.I.I.B. Group’s history from the FCA register and Companies House, newest first.

Key events (4) All events (62)

2016

6 April 2016

Bank Of Ireland (UK) PLC took control (75–100% of shares)

Companies House

12 February 2016

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

FCA register

1956

10 July 1956

Incorporated at Companies House

Companies House

In the full report: all 62 events

All 62 events in its history (4 shown here)
Every director appointment and resignation: 50

Firms connected to N.I.I.B. Group

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

past links: 6

In the full report: all 0 connected firms, named

6 past links through former directors

Firms like N.I.I.B. Group

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

In Belfast

Humm Group LimitedBelfastAuthorised Allianz PLCBelfastAuthorised Asgard Financial Services LimitedBelfastAuthorised Bleerick SuppliesBelfastAuthorised Central Finance & Loan Co. LtdBelfastAuthorised Cornmarket Insurance Services LimitedBelfastAuthorised

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 N.I.I.B. Group

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

56 other companies its directors have run, named
3 background checks on its contact details
All 62 events in its history

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Frequently asked questions about this firm

Is N.I.I.B. Group Limited FCA authorised?

Yes, N.I.I.B. Group Limited (FRN 671302) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a lender. The FCA has placed no limits on its permissions.

What is N.I.I.B. Group’s phone number and website?

The FCA register lists the phone number 0800 917 0923 and the website northridgefinance.com for N.I.I.B. Group. If you were given different contact details, use these to check with the firm before going any further.

Is N.I.I.B. Group a scam or clone?

N.I.I.B. Group 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 N.I.I.B. Group?

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

Who owns N.I.I.B. Group?

N.I.I.B. Group is owned by Bank Of Ireland (UK) PLC, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.

Who runs N.I.I.B. Group?

Companies House lists 6 directors of N.I.I.B. Group: Ian George Wright, George Higginson, Thomas Wright, James Dempster, William Thompson and Spencer Halil.

How long has N.I.I.B. Group been in business?

The company was formed on 10 July 1956, and has held its current FCA authorisation since February 2016.

How many complaints does N.I.I.B. Group get?

In January–June 2025, the Financial Ombudsman Service received 1,435 new complaints about N.I.I.B. Group, and upheld 50% of those it decided.

Does N.I.I.B. Group use any other names?

It trades as Marshall Leasing and Northridge Finance. It has previously used 2 other names: AA Car in a Box and SsangYong Financial Services.