Virgin Media Mobile Finance Limited

Reference number: 626215

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Authorised by the FCA

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

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 virginmedia.com first appeared online, and whether it can receive email
  • What kind of line 0345 454 1111 is, and the other firm that gives it
  • Who else gives the postcode RG2 6UU
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FCA permissions and consumer protection

  • Payments & e-money Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
  • 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 (2 permissions)
  • 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)

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
40
upheld, against a 31% median
40%
about banking and credit
40

A bigger firm gets more complaints simply because it has more customers. With this few, one case moves the upheld rate a lot.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
09058868
Company status
Active
Company type
Private limited company
Incorporated
27 May 2014 (12 years old)
Registered office
500 Brook Drive, Reading, RG2 6UU, United Kingdom
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Enrique Medina Malo Director Apr 1972 30 May 2023 17 other companies
David Melcon Sanchez-Friera Director Aug 1970 1 Jun 2026 7 other companies
VMED O2 SECRETARIES LIMITED Corporate secretary Not published 1 Nov 2021 –

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
17
closed down
1
are FCA-registered
2

In the full report: all 17 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
  • The 2 on the FCA register
  • The 7 companies these 2 directors run together
  • All 15 people who have ever been directors, with their dates
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Key dates in its history

Virgin Media Mobile Finance’s history from the FCA register and Companies House, newest first.

Key events (6) All events (39)

2021

26 February 2021

  • Liberty Global Europe 2 Limited gave up control
  • Vmed O2 UK Limited took control (75–100% of shares)

Companies House

2016

6 April 2016

  • Liberty Global Europe 2 Limited took control (75–100% of shares)

Companies House

2014

3 November 2014

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

FCA register

27 May 2014

  • Incorporated at Companies House

Companies House

In the full report: all 39 events

  • All 39 events in its history (6 shown here)
  • Every director appointment and resignation: 30
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Firms connected to Virgin Media Mobile Finance

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

connected firms
2
share a director
2
share its phone number
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Virgin Media Mobile Finance

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

In Reading

MI Vehicle Finance LimitedReadingAuthorisedTelefonica UK LimitedReadingAuthorisedInvestec Asset Finance PLCReadingAuthorisedMacbeth Premium Finance LimitedReadingAuthorisedMcDaan LimitedReadingAuthorisedPeter PalmerReadingAuthorised

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 Virgin Media Mobile Finance

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

  • 17 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 39 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Virgin Media Mobile Finance Limited FCA authorised?
Yes, Virgin Media Mobile Finance Limited (FRN 626215) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2014 and works as a lender. The FCA has placed no limits on its permissions.
What is Virgin Media Mobile Finance’s phone number and website?
The FCA register lists the phone number 0345 454 1111 and the website virginmedia.com for Virgin Media Mobile Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Virgin Media Mobile Finance a scam or clone?
Virgin Media Mobile 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 Virgin Media Mobile Finance?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Virgin Media Mobile Finance to the Financial Ombudsman Service, free of charge.
Who owns Virgin Media Mobile Finance?
Virgin Media Mobile Finance is owned by Vmed O2 UK Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 26 February 2021. Before that, it was controlled by Liberty Global Europe 2 Limited.
Who runs Virgin Media Mobile Finance?
Companies House lists 2 directors of Virgin Media Mobile Finance: Enrique Medina Malo and David Melcon Sanchez-Friera.
How long has Virgin Media Mobile Finance been in business?
The company was formed on 27 May 2014, and has held its current FCA authorisation since November 2014.
How many complaints does Virgin Media Mobile Finance get?
In January–June 2025, the Financial Ombudsman Service received 40 new complaints about Virgin Media Mobile Finance, and upheld 40% of those it decided.

Sources and links

The full report on Virgin Media Mobile Finance Limited

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