Santander Consumer (UK) PLC

Reference number: 444327

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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 santanderconsumer.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 085 1759 is
  • Who else gives the postcode RH1 1SR
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Other names (39)

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

  • Husquvarna Motorcycles Finance Trading name
  • Hyundai Car Financial Services Trading name
  • INEOS Automotive Finance Trading name
  • Kia Access Trading name
  • Kia Financial Services Trading name
  • Ktm Finance Trading name
  • MG Motor Financial Services Trading name
  • Santander Consumer Contract Hire Trading name
  • Santander Consumer Finance Trading name
  • Santander Leasing Trading name
  • Triumph Tristar Trading name
  • Volvo Car Contract Hire Trading name
  • Volvo Car Credit Trading name
  • Volvo Car Credit Contract Hire Trading name
  • Volvo Car Financial Services Trading name
  • Yamaha Motor Finance Trading name
  • YOU Yamaha Motor Finance Trading name
  • Caterham Finance Former trading name
  • Code Red Collection Services Former trading name
  • GE Capital Motor Finance Former trading name
  • GE Capital Woodchester Former trading name
  • GE Money Car Loans Former trading name
  • GE Money Motor Finance Former trading name
  • GE Personal Motoring Former trading name
  • jamjar.com Former trading name
  • Lookers Finance Former trading name
  • Mazda Financial Services Former trading name
  • Mazda Financial Services Contract Hire Former trading name
  • McLaren Financial Services Former trading name
  • MG Money Former trading name
  • Vauxhall Motor Finance Former trading name
  • Woodchester Finance Former trading name
  • YOU Yamaha Motor Finance Easy Go Former trading name
  • YOU Yamaha Motor Finance Easy Go Lease Former trading name
  • YOU Yamaha Motor Finance Easy Go Lease Powered By Santander Consumer Finance Former trading name
  • YOU Yamaha Motor Finance Easy Go Plus Former trading name
  • YOU Yamaha Motor Finance Easy Go Plus Powered By Santander Consumer Finance Former trading name
  • YOU Yamaha Motor Finance Easy Go Powered By Santander Consumer Finance Former trading name
  • YOU Yamaha Motor Finance Powered By Santander Consumer Finance Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A 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 apply
    Eligible 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 apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (14 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
  • Credit Broking
  • Dealing in investments as agent
  • Debt Adjusting
  • Debt Administration
  • Debt-collecting
  • Debt-counselling
  • 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
  • Making arrangements with a view to transactions in investments

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
2,407
upheld, against a 31% median
34%
about banking and credit
2,405

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
02248870
Company status
Active
Company type
Public limited company
Incorporated
27 April 1988 (38 years old)
Registered office
Santander House, 86 Station Road, Redhill, Surrey, RH1 1SR
Nature of business
  • Financial leasing (SIC 64910)
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Bruno Montalvo Wilmot Director Oct 1962 17 Oct 2012 1 other company
Adam Roy Goldhagen Director Sep 1964 1 Nov 2013 4 other companies
Mark Peter Lewis Director May 1969 1 Jan 2023 22 other companies
Timothy Giles Sunderland Hinton Director Apr 1964 13 Sep 2023 4 other companies
Marta Elorza Director Jan 1959 6 Jun 2025 1 other company
Thomas Charles Ryley Shepherd Director Aug 1967 6 Jun 2025 2 other companies
Joaquin Caracuel Barbecho Director Dec 1977 6 Mar 2026 1 other company
Alexis Edward Tobin Director Nov 1973 7 Sep 2026 46 other companies
SANTANDER SECRETARIAT SERVICES LIMITED Corporate secretary Not published 28 Aug 2012 –

Other companies run by these 8 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
80
closed down
38
are FCA-registered
12

In the full report: all 80 companies, named

  • What each company does, and whether it is still trading
  • Which of these 8 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 12 on the FCA register, including one no longer authorised
  • The 1 company these 8 directors run together
  • All 46 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (5) All events (162)

2016

6 April 2016

  • Santander UK PLC took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2006

24 February 2006

  • Became authorised by the FCA

FCA register

10 February 2006

  • Regulated by the Financial Services Authority from this date

FCA register

1988

27 April 1988

  • Incorporated at Companies House

Companies House

In the full report: all 162 events

  • All 162 events in its history (5 shown here)
  • Every director appointment and resignation: 89
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Firms connected to Santander Consumer (UK)

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

connected firms
3
share a director
3
past links
9

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (3)
  • Who links each one: the named directors, with dates
  • 9 past links through former directors
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Firms like Santander Consumer (UK)

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

In Redhill

Stellantis Financial Services UK LimitedRedhillAuthorised

In the Redhill (RH) postcode area

First Central Insurance Management LimitedHaywards HeathAuthorisedHyundai Capital UK LimitedReigateAuthorised

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 Santander Consumer (UK)

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

  • 80 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 162 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Santander Consumer (UK) PLC FCA authorised?
Yes, Santander Consumer (UK) PLC (FRN 444327) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2006 and works as a lender. The FCA has placed no limits on its permissions.
What is Santander Consumer (UK)’s phone number and website?
The FCA register lists the phone number 0800 085 1759 and the website santanderconsumer.co.uk for Santander Consumer (UK). If you were given different contact details, use these to check with the firm before going any further.
Is Santander Consumer (UK) a scam or clone?
Santander Consumer (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 Santander Consumer (UK)?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Santander Consumer (UK) to the Financial Ombudsman Service, free of charge.
Who owns Santander Consumer (UK)?
Santander Consumer (UK) is owned by Santander 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 Santander Consumer (UK)?
Companies House lists 8 directors of Santander Consumer (UK): Bruno Montalvo Wilmot, Adam Roy Goldhagen, Mark Peter Lewis, Timothy Giles Sunderland Hinton, Marta Elorza, Thomas Charles Ryley Shepherd and 2 more.
How long has Santander Consumer (UK) been in business?
The company was formed on 27 April 1988, and has held its current FCA authorisation since February 2006.
How many complaints does Santander Consumer (UK) get?
In January–June 2025, the Financial Ombudsman Service received 2,407 new complaints about Santander Consumer (UK), and upheld 34% of those it decided.
Does Santander Consumer (UK) use any other names?
It trades as Husquvarna Motorcycles Finance, Hyundai Car Financial Services, INEOS Automotive Finance, Kia Access and Kia Financial Services, and 12 more names. It has previously used 22 other names, including Caterham Finance, Code Red Collection Services and GE Capital Motor Finance.

Sources and links

The full report on Santander Consumer (UK) PLC

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