Plata Finance Limited

Reference number: 718925

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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 plata.com first appeared online, and whether it can receive email
  • What kind of line 0330 165 5120 is
  • Who else gives the postcode SE1 8QH
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Other names (4)

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

  • Plata Trading name
  • Plata Connect Trading name
  • Zopa Trading name
  • Zopa Limited Former name

FCA permissions and consumer protection

  • 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 (7 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt Administration
  • Debt-collecting
  • Debt-counselling
  • 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)

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
05197592
Company status
Active
Company type
Private limited company
Incorporated
4 August 2004 (22 years old)
Registered office
Frobisher House, Southbrook Road, Southampton, SO15 1GX, England
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Nicholas Aspinall Director Aug 1964 10 Feb 2022 49 other companies
Patrick Joseph Napoli Director Jul 1969 10 Nov 2023 None
Jonathan Igor Davis Kramer Director Jul 1974 11 Oct 2024 7 other companies

Other companies run by these 3 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
51
closed down
23
are FCA-registered
4

In the full report: all 51 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 4 on the FCA register, including one no longer authorised
  • The 5 companies these 3 directors run together
  • All 17 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (8) All events (45)

2022

11 July 2022

  • Changed its registered name from "Zopa Limited"

FCA register

10 February 2022

  • Plata Holdings UK Limited took control (75–100% of shares)
  • Zopa Group Limited gave up control

Companies House

2017

10 May 2017

  • Zopa Group Limited took control (75–100% of shares)
  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

Companies House · FCA register

2004

4 August 2004

  • Incorporated at Companies House

Companies House

In the full report: all 45 events

  • All 45 events in its history (8 shown here)
  • Every director appointment and resignation: 29
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Firms connected to Plata Finance

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

connected firms
6
share a director
3
share its postcode
4

In the full report: all 6 connected firms, named

  • How each is linked: shared directors (3), the same postcode (4)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Plata Finance

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

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services LimitedLondonAuthorised

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 Plata Finance

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

  • 51 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 45 events in its history
  • 6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Plata Finance Limited FCA authorised?
Yes, Plata Finance Limited (FRN 718925) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2017 and works as a lender. The FCA has placed a limit on what it may do.
What is Plata Finance’s phone number and website?
The FCA register lists the phone number 0330 165 5120 and the website Plata.com for Plata Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Plata Finance a scam or clone?
Plata 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 Plata Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Plata Finance handles your money, so check the specific product before you commit. You can also refer complaints about Plata Finance to the Financial Ombudsman Service, free of charge.
Who owns Plata Finance?
Plata Finance is owned by Plata Holdings UK Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 10 February 2022. Before that, it was controlled by Zopa Group Limited.
Who runs Plata Finance?
Companies House lists 3 directors of Plata Finance: Nicholas Aspinall, Patrick Joseph Napoli and Jonathan Igor Davis Kramer.
How long has Plata Finance been in business?
The company was formed on 4 August 2004, and has held its current FCA authorisation since May 2017.
Does Plata Finance use any other names?
It trades as Plata, Plata Connect and Zopa. It has previously used the name Zopa Limited.

Sources and links

The full report on Plata Finance Limited

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