Usedcar4less Limited

Reference number: 716662

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Authorisation being cancelled

This firm has asked the FCA to cancel its authorisation. It is still in force until the FCA processes the application, so existing business keeps its protection, but its regulated work is winding down.

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 usedcars4less.co.uk first appeared online, and whether it can receive email
  • What kind of line 07543 338881 is
  • Who else gives the postcode CA6 4BB
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Other names (1)

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

  • Usedcars4less Trading name

FCA permissions and consumer protection

  • Lend or arrange credit 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 (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
09479603
Company status
Active
Company type
Private limited company
Incorporated
10 March 2015 (11 years old)
Registered office
11 Edenside, Carlisle, CA6 4AQ, United Kingdom
Nature of business
  • Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name Role Born Appointed Other companies
Chris Smalley Director Feb 1982 10 Mar 2015 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Net assets

£124k

−39% from £204k

Cash at bank

£598

Up £598 from £0

Employees (average)

3

Same as 3

Owed within a year

£188k

+14% from £164k

Net assets

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.

Accounts filed at Companies House for company 09479603. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Usedcar4less’s history from the FCA register and Companies House, newest first.

Key events (4) All events (8)

2017

1 January 2017

  • Christopher John Smalley took control (75–100% of shares)

Companies House

2015

28 September 2015

  • Regulated by the FCA from this date
  • Applied to cancel its FCA authorisation

FCA register

10 March 2015

  • Incorporated at Companies House

Companies House

In the full report: all 8 events

  • All 8 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Usedcar4less

Other FCA-listed firms that share a director, phone number or address with Usedcar4less. 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
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Firms like Usedcar4less

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

In Carlisle

Graham (Commercials) LimitedCarlisleAuthorisedBen Hodgson Cars LimitedCarlisleAuthorisedBorder City Autos 20 LimitedCarlisleAuthorisedc&m motors carlisleCarlisleAuthorisedCar & Commercial (Carlisle) LimitedCarlisleAuthorisedCMT Autos & Commercials LimitedCarlisleAuthorised

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 Usedcar4less

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 8 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Usedcar4less Limited FCA authorised?
Usedcar4less Limited (FRN 716662) is on the FCA register, but its authorisation is changing (authorisation being cancelled). Check the register before dealing with it.
What is Usedcar4less’ phone number and website?
The FCA register lists the phone number 07543 338881 and the website usedcars4less.co.uk for Usedcar4less. If you were given different contact details, use these to check with the firm before going any further.
Is Usedcar4less a scam or clone?
Usedcar4less 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 Usedcar4less?
Protection depends on which product you hold and how Usedcar4less handles your money, so check the specific product before you commit. You can also refer complaints about Usedcar4less to the Financial Ombudsman Service, free of charge.
Who owns Usedcar4less?
Companies House lists one person with significant control of Usedcar4less: Mr Christopher John Smalley (75–100% of shares).
Who runs Usedcar4less?
Companies House lists one director of Usedcar4less: Chris Smalley.
How long has Usedcar4less been in business?
The company was formed on 10 March 2015.
What do Usedcar4less’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £124k (−39% from £204k) and cash at bank of £598 (up £598 from £0).
Does Usedcar4less use any other names?
It trades as Usedcars4less.

Sources and links

The full report on Usedcar4less Limited

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