UK Car Finance Ltd: FCA regulated?

Authorised by the FCA

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

Authorised for 10 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2015
Accounts filed up to 31 January 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

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

0191 718 0000
Address

Lakeside House, 30 Northumbrian Way, Killingworth, Newcastle upon Tyne, Tyne and Wear, NE12 6EH, United Kingdom

In the full report: 3 background checks

When uk-carfinance.co.uk first appeared online, and whether it can receive email
What kind of line 0191 718 0000 is
Who else gives the postcode NE12 6EH

Other names (14)

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

clickcarstore Trading name: A name it trades under now.
clickcarstore.com Trading name: A name it trades under now.
Dealer Asset Management Trading name: A name it trades under now.
https://www.refusedcarfinance.com Trading name: A name it trades under now.
Refused Car Finance Trading name: A name it trades under now.
refusedcarfinance.com Trading name: A name it trades under now.
UK Car Finance (Franchise) Trading name: A name it trades under now.
Zoomo Car Credit Former trading name: A name it used to trade under.
Zoomo Car Finance Former trading name: A name it used to trade under.
Zoomo Car Store Former trading name: A name it used to trade under.
Zoomo Car Supermarket Former trading name: A name it used to trade under.
Zoomo Finance Former trading name: A name it used to trade under.
Zoomo Leasing Former trading name: A name it used to trade under.
Zoomo Loans Former trading name: A name it used to trade under.

FCA permissions and consumer protection

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 (7 permissions)

Credit Broking
Debt Adjusting
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

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: 09397657 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 20 January 2015 (11 years old)
Registered office: Lakeside House, 30 Northumbrian Way, Newcastle Upon Tyne, NE12 6EH, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
John Muckian	Director	Feb 1971	20 Jan 2015	None
David Nathan Wilson	Director	Dec 1973	20 Jan 2015	30 other companies

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 companies: 30
closed down: 2
still active: 28

In the full report: all 30 companies, 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 3 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 January 2025Full accountsNot audited

Net assets

£159k

−36% from £249k

Cash at bank

£15.4k

−86% from £107k

Owed within a year

£18.0k

−62% from £47.9k

Assets and liabilities

In the full report: all 4 years of accounts

Every year from 2022 to 2025
The chart, over every year
Every filed figure, year by year

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.

Accounts filed at Companies House for company 09397657. 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

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

Key events (5) All events (33)

2016

6 April 2016

David Nathan Wilson became a part-owner (25–50% of shares)
John Muckian became a part-owner (25–50% of shares)

Companies House

4 January 2016

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

2015

20 January 2015

Incorporated at Companies House

Companies House

In the full report: all 33 events

All 33 events in its history (5 shown here)
Every director appointment and resignation: 4

Firms connected to UK Car Finance

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

connected firm: 1
share its postcode: 1

In the full report: the connected firm, named

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

Firms like UK Car Finance

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

In Newcastle upon Tyne

Home Group LimitedNewcastle upon TyneAuthorised Chris Gooding (IFA) LtdNewcastle upon TyneAuthorised J.a. Bains LimitedNewcastle Upon TyneAuthorised Mammoth Finance LimitedNewcastle Upon TyneAuthorised Northern Transport Finance LimitedNewcastle upon TyneAuthorised S P & K B ChaddahNewcastle Upon TyneAuthorised

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 UK Car Finance

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

30 other companies its directors have run, named
3 background checks on its contact details
4 years of accounts, charted
All 33 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 UK Car Finance Ltd FCA authorised?

Yes, UK Car Finance Ltd (FRN 714966) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2016 and works as a lender. The FCA has placed no limits on its permissions.

What is UK Car Finance’s phone number and website?

The FCA register lists the phone number 0191 718 0000 and the website uk-carfinance.co.uk for UK Car Finance. If you were given different contact details, use these to check with the firm before going any further.

Is UK Car Finance a scam or clone?

UK Car 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 UK Car Finance?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how UK Car Finance handles your money, so check the specific product before you commit. You can also refer complaints about UK Car Finance to the Financial Ombudsman Service, free of charge.

Who owns UK Car Finance?

Companies House lists 2 people with significant control of UK Car Finance: Mr David Nathan Wilson (25–50% of shares) and Mr John Muckian (25–50% of shares).

Who runs UK Car Finance?

Companies House lists 2 directors of UK Car Finance: John Muckian and David Nathan Wilson.

How long has UK Car Finance been in business?

The company was formed on 20 January 2015, and has held its current FCA authorisation since January 2016.

What do UK Car Finance’s latest accounts show?

Its latest accounts, to 31 January 2025, show net assets of £159k (−36% from £249k) and cash at bank of £15.4k (−86% from £107k).

Does UK Car Finance use any other names?

It trades as clickcarstore, clickcarstore.com, Dealer Asset Management, https://www.refusedcarfinance.com and Refused Car Finance, and 2 more names. It has previously used 7 other names, including Zoomo Car Credit, Zoomo Car Finance and Zoomo Car Store.