Urban Exposure Lendco Limited

Reference number: 913382

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On the register, but not FCA authorised, but in an insolvency process

This firm is under the control of insolvency practitioners and may have stopped taking on new business. If you are or were a customer, deal with the appointed office holders rather than the firm.

What the FCA says

ATTENTION - Firm in an insolvency process

This firm is in an insolvency process. It is under the control of the appointed insolvency office holder(s) and may have stopped taking on new business. It has to continue to meet our standards in line with its regulatory status, including when dealing with its customers. If you are/were a customer check how this affects you with the firm or the appointed insolvency office holder(s).

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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.

  • No website on the FCA register

  • Phone number

    027 4089 605

  • Address

    6 Duke Street, St James's, London, SW1Y 6BN, United Kingdom

In the full report: 2 background checks

  • What kind of line 027 4089 605 is
  • Who else gives the postcode SW1Y 6BN
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Past FCA permissions and consumer protection

  • In an insolvency process
    Money the firm held is returned through the appointed office holders, which takes time and can fall short. The FSCS covers eligible claims up to its limits, and the Ombudsman can still look at a complaint.

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.

Concerns on the company record

  • Companies House records this company in liquidation.
  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
  • This company has insolvency history on record.
Company number
11324373
Company status
Liquidation
Company type
Private limited company
Incorporated
23 April 2018 (8 years old)
Registered office
C/O Frp Advisory Trading Limited, 110 Cannon Street, London, EC4N 6EU, England
Nature of business
  • Activities of other holding companies not elsewhere classified (SIC 64209)

Key dates in its history

Urban Exposure Lendco’s history from the FCA register and Companies House, newest first.

Key events (3) All events (19)

2019

13 November 2019

  • Registered with the FCA

FCA register

2018

23 April 2018

  • Incorporated at Companies House
  • Urban Exposure Holdings Limited took control (75–100% of shares)

Companies House

In the full report: all 19 events

  • All 19 events in its history (3 shown here)
  • Every director appointment and resignation: 16
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Firms connected to Urban Exposure Lendco

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

connected firms
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Get the full report on Urban Exposure Lendco

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

  • 2 background checks on its contact details
  • All 19 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Urban Exposure Lendco Limited FCA authorised?
Urban Exposure Lendco Limited (FRN 913382) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is Urban Exposure Lendco’s phone number?
The FCA register lists the phone number 027 4089 605 for Urban Exposure Lendco. If you were given different contact details, use these to check with the firm before going any further.
Is Urban Exposure Lendco a scam or clone?
Urban Exposure Lendco is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Urban Exposure Lendco?
Urban Exposure Lendco is under the control of insolvency practitioners, so money it held is returned through the appointed office holders rather than by the firm. That takes time and can fall short. Where money is missing, the FSCS covers eligible claims up to its limits, and the Financial Ombudsman Service can still consider a complaint.
Who owns Urban Exposure Lendco?
Urban Exposure Lendco is owned by Urban Exposure Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 23 April 2018.
How long has Urban Exposure Lendco been in business?
The company was formed on 23 April 2018. Companies House now lists it as liquidation.

Sources and links

The full report on Urban Exposure Lendco Limited

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