TJM Cars Ltd

Reference number: 931529

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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.

Responsible principal firm

Automotive Compliance Limited Reference number: 497010 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.
  • TJM Cars Ltd (FRN 931529) is an AR of Automotive Compliance Limited (FRN 497010). When you use TJM Cars's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from TJM Cars, 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.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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 discovercarleasing.co.uk first appeared online, and whether it can receive email
  • What kind of line 01480 598966 is
  • Who else gives the postcode PE27 5PD
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Other names (2)

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

  • 2020 Car Finance Trading name
  • Discover Car Leasing Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Automotive Compliance 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
11936362
Company status
Active
Company type
Private limited company
Incorporated
10 April 2019 (7 years old)
Registered office
32a East Street, St. Ives, PE27 5PD, England
Nature of business
  • Financial leasing (SIC 64910)

Directors and company secretaries

Name Role Born Appointed Other companies
Toby James Edwards Director Jun 1998 10 Apr 2019 None
Simon John Miller Director Oct 1965 17 Apr 2023 1 other company

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 company
1
still active
1

In the full report: all 1 company, 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
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2025Micro-entity accountsNot audited

Net assets

−£8,258

Down £3,368 from −£4,890

Employees (average)

2

+100% from 1

Owed within a year

£10.7k

+40% from £7,638

Net assets are negative: on its last balance sheet the company owed £8,258 more than it owned.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 11936362. 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

TJM Cars’s history from the FCA register and Companies House, newest first.

Key events (9) All events (17)

2023

17 April 2023

  • Jack Kingham Snare stopped being a part-owner
  • Simon John Miller took control (75–100% of shares)
  • Toby James Edwards stopped being a part-owner

Companies House

2020

7 August 2020

  • Became an appointed representative

FCA register

12 March 2020

  • Matthew Guy stopped being a part-owner

Companies House

2019

11 September 2019

  • Matthew Guy became a part-owner (25–50% of shares)

Companies House

10 April 2019

  • Incorporated at Companies House
  • Jack Kingham Snare became a part-owner (25–50% of shares)
  • Toby James Edwards became a part-owner (25–50% of shares)

Companies House

In the full report: all 17 events

  • All 17 events in its history (9 shown here)
  • Every director appointment and resignation: 6
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Firms connected to TJM Cars

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Get the full report on TJM Cars

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 17 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is TJM Cars Ltd FCA authorised?
TJM Cars Ltd (FRN 931529) 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 TJM Cars?
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. TJM Cars Ltd (FRN 931529) is an AR of Automotive Compliance Limited (FRN 497010). When you use TJM Cars's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from TJM Cars, 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 TJM Cars’ phone number and website?
The FCA register lists the phone number 01480 598966 and the website discovercarleasing.co.uk for TJM Cars. If you were given different contact details, use these to check with the firm before going any further.
Is TJM Cars a scam or clone?
TJM Cars 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 TJM Cars?
Protection works through Automotive Compliance Limited, the principal firm responsible for TJM Cars's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns TJM Cars?
Companies House lists one person with significant control of TJM Cars: Mr Simon John Miller (75–100% of shares). Before that, it was controlled by Mr Toby James Edwards, Mr Jack Kingham Snare and Mr Matthew Guy.
Who runs TJM Cars?
Companies House lists 2 directors of TJM Cars: Toby James Edwards and Simon John Miller.
How long has TJM Cars been in business?
The company was formed on 10 April 2019.
What do TJM Cars’ latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of −£8,258 (down £3,368 from −£4,890).
Does TJM Cars use any other names?
It trades as 2020 Car Finance and Discover Car Leasing.

Sources and links

The full report on TJM Cars Ltd

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