Toyota Financial Services (UK) PLC: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 21 years
Your funds are protected by FSCS
No FCA actions
Active company since 1988
4,797 Ombudsman complaints in January–June 2025

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

toyota.co.uk (opens in a new tab)
Phone number

0370 850 5533
Address

Toyota Financial Services plc, Yew Tree Bottom Road, Epsom, Surrey, KT18 5UZ, United Kingdom

In the full report: 3 background checks

When toyota.co.uk first appeared online, and whether it can receive email
What kind of line 0370 850 5533 is
Who else gives the postcode KT18 5UZ

Other names (10)

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

Lexus Finance Trading name: A name it trades under now.
Lexus Financial Services Trading name: A name it trades under now.
Mazda Financial Services Trading name: A name it trades under now.
Redline Finance Trading name: A name it trades under now.
Redline Financial Services Trading name: A name it trades under now.
Toyota Finance Trading name: A name it trades under now.
Toyota Financial Services Trading name: A name it trades under now.
Access Toyota Former trading name: A name it used to trade under.
Easy Drive Former trading name: A name it used to trade under.
Lexus Connect Former trading name: A name it used to trade under.

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 (10 permissions)

Advising on investments (except on Pension Transfers and Pension Opt Outs)
Advising on P2P agreements
Arranging (bringing about) deals in investments
Assisting in the administration and performance of a contract of insurance
Dealing in investments as agent
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: 4,797
upheld, against a 31% median: 26%
about banking and credit: 4,796

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: 02299961 (opens Companies House in a new tab)
Company status: Active
Company type: Public limited company
Incorporated: 26 September 1988 (38 years old)
Registered office: Great Burgh, Burgh Heath, Epsom, Surrey, KT18 5UZ
Nature of business: Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Ivo Josko Ljubica	Director	Feb 1967	28 Jun 2018	1 other company
Francis Bernard Kenny	Director	Jul 1965	1 Jan 2020	1 other company
Richard John Lacey	Director	Feb 1985	1 Apr 2024	1 other company
Tateyuki Sawada	Director	Nov 1974	15 May 2026	None
Amy Laura Beddoe	Secretary	Not published	1 May 2025	–

Other companies run by these 4 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: 2
still active: 2
is FCA-registered: 1

In the full report: all 2 companies, named

What each company does, and whether it is still trading
Which of these 4 directors sit on each board, and since when
Any that went into liquidation or administration
The one on the FCA register
The 1 company these 4 directors run together
All 54 people who have ever been directors, with their dates

Key dates in its history

Toyota Financial Services (UK)’s history from the FCA register and Companies House, newest first.

Key events (5) All events (122)

2016

6 April 2016

Toyota Financial Services Corporation took control (75–100% of shares)

Companies House

2013

1 April 2013

Regulated by the FCA from this date

FCA register

2005

14 January 2005

Regulated by the Financial Services Authority from this date
Became authorised by the FCA

FCA register

1988

26 September 1988

Incorporated at Companies House

Companies House

In the full report: all 122 events

All 122 events in its history (5 shown here)
Every director appointment and resignation: 101

Firms connected to Toyota Financial Services (UK)

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

connected firm: 1
share a director: 1

In the full report: the connected firm, named

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

Firms like Toyota Financial Services (UK)

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

In Epsom

Brightsmile Dental Care (UK)EpsomAuthorised Emma ClarkeEpsomAuthorised Remedi Finance LimitedEpsomAuthorised Toyota (GB) PLCEpsomAuthorised Bilham SOT LimitedEpsomAuthorised E & G Ortho LimitedEpsomAuthorised

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 Toyota Financial Services (UK)

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

2 other companies its directors have run, named
3 background checks on its contact details
All 122 events in its history
1 connected firm, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Toyota Financial Services (UK) PLC FCA authorised?

Yes, Toyota Financial Services (UK) PLC (FRN 310226) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a lender. The FCA has placed no limits on its permissions.

What is Toyota Financial Services (UK)’s phone number and website?

The FCA register lists the phone number 0370 850 5533 and the website toyota.co.uk for Toyota Financial Services (UK). If you were given different contact details, use these to check with the firm before going any further.

Is Toyota Financial Services (UK) a scam or clone?

Toyota Financial Services (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 Toyota Financial Services (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 Toyota Financial Services (UK) to the Financial Ombudsman Service, free of charge.

Who owns Toyota Financial Services (UK)?

Toyota Financial Services (UK) is owned by Toyota Financial Services Corporation, which holds 75–100% of shares, since 6 April 2016.

Who runs Toyota Financial Services (UK)?

Companies House lists 4 directors of Toyota Financial Services (UK): Ivo Josko Ljubica, Francis Bernard Kenny, Richard John Lacey and Tateyuki Sawada.

How long has Toyota Financial Services (UK) been in business?

The company was formed on 26 September 1988, and has held its current FCA authorisation since January 2005.

How many complaints does Toyota Financial Services (UK) get?

In January–June 2025, the Financial Ombudsman Service received 4,797 new complaints about Toyota Financial Services (UK), and upheld 26% of those it decided.

Does Toyota Financial Services (UK) use any other names?

It trades as Lexus Finance, Lexus Financial Services, Mazda Financial Services, Redline Finance and Redline Financial Services, and 2 more names. It has previously used 3 other names: Access Toyota, Easy Drive and Lexus Connect.