Regency Used Cars NI Ltd

Reference number: 1019923

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Appointed for 1 year
Protected through the principal
No FCA actions
Active company since 2024
Accounts filed up to 31 August 2025

Responsible principal firm

Ingeni Services Group Limited Reference number: 747381 Authorised View firm →

What does this mean?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
Regency Used Cars NI Ltd (FRN 1019923) is an AR of Ingeni Services Group Limited (FRN 747381). When you use Regency Used Cars NI's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Regency Used Cars NI, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
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

usedcarsni.com/used-cars/dealers/regency-cars (opens in a new tab)
Phone number

028 9181 4581
Address

39-41 Church Street, Newtownards, Northern Ireland, BT23 4AN, United Kingdom

In the full report: 3 background checks

When usedcarsni.com first appeared online, and whether it can receive email
What kind of line 028 9181 4581 is, and the 2 other firms that give it
Who else gives the postcode BT23 4AN

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Ingeni Services Group 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: NI720486 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 29 August 2024 (2 years old)
Registered office: 39-41 Church Street, Newtownards, BT23 4AN, Northern Ireland
Nature of business: Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Nigel Hegan	Director	Mar 1969	29 Aug 2024	None
Greg Savage	Director	Aug 1976	29 Aug 2024	None

In the full report: every company its directors have run

Confirmation that these 2 directors run no other company

Filed accounts and finances

Year to 31 August 2025Small company accountsNot audited

Net assets

£123k

No earlier figure to compare

Cash at bank

£179k

No earlier figure to compare

Employees (average)

No earlier figure to compare

Owed within a year

£441k

No earlier figure to compare

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 NI720486. 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

Regency Used Cars NI’s history from the FCA register and Companies House, newest first.

2024

28 October 2024

Became an appointed representative

FCA register

29 August 2024

Incorporated at Companies House
Greg Savage became a part-owner (25–50% of shares)
Nigel Hegan became a part-owner (25–50% of shares)
Greg Savage appointed as a director
Nigel Hegan appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Regency Used Cars NI

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

connected firm: 1
share its phone number: 1

In the full report: the connected firm, named

How it is linked: the same phone number (1)
Who links it to this firm: the named directors, with dates

Firms like Regency Used Cars NI

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

In Newtownards

Donnelly Bros Bangor LtdNewtownardsAppointed representative BRG Remarketing Corporate LimitedNewtownardsAppointed representative Clover Cars Ni LimitedNewtownardsAppointed representative D4M Motors LtdNewtownardsAppointed representative B M Autoexchange LtdNewtownardsAuthorised Burch Autos LimitedNewtownardsAuthorised

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 Regency Used Cars NI

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

Every company its directors have run, named
3 background checks on its contact details
All 6 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Regency Used Cars NI Ltd FCA authorised?

Regency Used Cars NI Ltd (FRN 1019923) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does appointed representative mean for Regency Used Cars NI?

An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Regency Used Cars NI Ltd (FRN 1019923) is an AR of Ingeni Services Group Limited (FRN 747381). When you use Regency Used Cars NI's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Regency Used Cars NI, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. 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 Regency Used Cars NI’s phone number and website?

The FCA register lists the phone number 028 9181 4581 and the website usedcarsni.com/used-cars/dealers/regency-cars for Regency Used Cars NI. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.

Is Regency Used Cars NI a scam or clone?

Regency Used Cars NI 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 Regency Used Cars NI?

Protection works through Ingeni Services Group Limited, the principal firm responsible for Regency Used Cars NI's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Regency Used Cars NI?

Companies House lists 2 people with significant control of Regency Used Cars NI: Mr Greg Savage (25–50% of shares) and Mr Nigel Hegan (25–50% of shares).

Who runs Regency Used Cars NI?

Companies House lists 2 directors of Regency Used Cars NI: Nigel Hegan and Greg Savage.

How long has Regency Used Cars NI been in business?

The company was formed on 29 August 2024.

What do Regency Used Cars NI’s latest accounts show?

Its latest accounts, to 31 August 2025, show net assets of £123k (no earlier figure to compare) and cash at bank of £179k (no earlier figure to compare).

Sources and links

Its entry on the FCA register register.fca.org.uk
Its Companies House record gov.uk
Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
Report a scam to the FCA fca.org.uk