Oyster Cars (UK) Ltd: FCA regulated?

Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Appointed for under a year
Protected through the principal
No FCA actions
Active company since 2018
Accounts filed up to 31 May 2026

Responsible principal firm

Finset Limited Reference number: 987805 Authorised View firm →

What does this mean?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
Oyster Cars (UK) Ltd (FRN 1054853) introduces customers to Finset Limited (FRN 987805). Any regulated advice or arranging is done by the principal, not Oyster Cars (UK).
Example: if Oyster Cars (UK) refers you to a financial adviser, the advice should come from the principal firm, not from Oyster Cars (UK) itself.
Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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

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

01227 250240
Address

Riverside Works, Thanet Way, Chestfield, Whitstable, Kent, CT5 3JQ, United Kingdom

In the full report: 3 background checks

When oystercarsuk.com first appeared online, and whether it can receive email
What kind of line 01227 250240 is
Who else gives the postcode CT5 3JQ

Other names (1)

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

Oyster Cars Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Finset Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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: 11427191 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 21 June 2018 (8 years old)
Registered office: Riverside Church Estate Thanet Way, Chestfield, Whitstable, CT5 3JQ, United Kingdom
Nature of business: Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Jonathan Rabey	Director	Aug 1964	21 Jun 2018	None
Andrew David Edward Williamson	Director	Oct 1971	21 Jun 2018	4 other companies

Other companies run by these 2 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: 4
closed down: 3
still active: 1

In the full report: all 4 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration

Filed accounts and finances

Year to 31 May 2026Small company accountsNot audited

Net assets

£297k

+38% from £215k

Cash at bank

£168k

+6.3% from £158k

Employees (average)

2

Same as 2

Assets and liabilities

In the full report: all 7 years of accounts

Every year from 2020 to 2026
The chart, 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 11427191. 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

Oyster Cars (UK)’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2026

24 April 2026

Became an introducer appointed representative

FCA register

2018

21 June 2018

Incorporated at Companies House
Andrew David Edward Williamson became a part-owner (25–50% of shares)
Jonathan Rabey became a part-owner (25–50% of shares)

Companies House

In the full report: all 7 events

All 7 events in its history (4 shown here)
Every director appointment and resignation: 2

Firms like Oyster Cars (UK)

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

In Whitstable

Active Vehicle Consultants LimitedWhitstableAuthorised House of Thunder LtdWhitstableAuthorised Northover Cars LimitedWhitstableAuthorised Vip Prestige Cars LimitedWhitstableAuthorised

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 Oyster Cars (UK)

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

4 other companies its directors have run, named
3 background checks on its contact details
7 years of accounts, charted
All 7 events in its history

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Frequently asked questions about this firm

Is Oyster Cars (UK) Ltd FCA authorised?

Oyster Cars (UK) Ltd (FRN 1054853) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does introducer appointed representative mean for Oyster Cars (UK)?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Oyster Cars (UK) Ltd (FRN 1054853) introduces customers to Finset Limited (FRN 987805). Any regulated advice or arranging is done by the principal, not Oyster Cars (UK). Example: if Oyster Cars (UK) refers you to a financial adviser, the advice should come from the principal firm, not from Oyster Cars (UK) itself. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

What is Oyster Cars (UK)’s phone number and website?

The FCA register lists the phone number 01227 250240 and the website oystercarsuk.com for Oyster Cars (UK). If you were given different contact details, use these to check with the firm before going any further.

Is Oyster Cars (UK) a scam or clone?

Oyster Cars (UK) 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 Oyster Cars (UK)?

Protection works through Finset Limited, the principal firm responsible for Oyster Cars (UK)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Oyster Cars (UK)?

Companies House lists 2 people with significant control of Oyster Cars (UK): Mr Andrew David Edward Williamson (25–50% of shares) and Mr Jonathan Rabey (25–50% of shares).

Who runs Oyster Cars (UK)?

Companies House lists 2 directors of Oyster Cars (UK): Jonathan Rabey and Andrew David Edward Williamson.

How long has Oyster Cars (UK) been in business?

The company was formed on 21 June 2018.

What do Oyster Cars (UK)’s latest accounts show?

Its latest accounts, to 31 May 2026, show net assets of £297k (+38% from £215k) and cash at bank of £168k (+6.3% from £158k).

Does Oyster Cars (UK) use any other names?

It trades as Oyster Cars.