Virtual Lease Services Limited: 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 1999

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

vls.uk.com (opens in a new tab)
Phone number

01244 957236
Address

1st Floor, Vista House, St Davids Park, Ewloe, Deeside, Flintshire, CH5 3DT, United Kingdom

In the full report: 3 background checks

When vls.uk.com first appeared online, and whether it can receive email
What kind of line 01244 957236 is
Who else gives the postcode CH5 3DT

Other names (1)

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

Banking Works Former trading name: A name it used to trade under.

Past FCA permissions and consumer protection

Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Permissions on the FCA record

Lend or arrange credit

Show FCA detail (2 permissions)

Debt Administration
Debt-collecting

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: 03864839 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 20 October 1999 (27 years old)
Registered office: 1st Floor, Vista Building, St David's Park, Ewloe, CH5 3DT, Wales
Nature of business: Administration of financial markets (SIC 66110)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Omar Shahab Ghauri	Director	Apr 1978	26 Nov 2020	None
Usman Idrees	Director	Dec 1983	26 Nov 2020	None
Linda O Neil	Director	Nov 1969	30 Jun 2025	None

In the full report: every company its directors have run

Confirmation that these 3 directors run no other company
All 26 people who have been directors, with their dates

Key dates in its history

Virtual Lease Services’s history from the FCA register and Companies House, newest first.

Key events (3) All events (56)

2016

12 February 2016

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

FCA register

1999

20 October 1999

Incorporated at Companies House

Companies House

In the full report: all 56 events

All 56 events in its history (3 shown here)
Every director appointment and resignation: 49

Firms connected to Virtual Lease Services

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

connected firms: 3
share its postcode: 3

In the full report: all 3 connected firms, named

How each is linked: the same postcode (3)
Who links each one: the named directors, with dates

Firms like Virtual Lease Services

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

In the Chester (CH) postcode area

Sinclair Goldberg Price LimitedBirkenheadAuthorised

Elsewhere in the UK

Experian Refi Outsource Services LimitedNottinghamAuthorised Barclays Security Trustee LimitedLondonAuthorised Funding Circle LtdLondonAuthorised Paymentsense LimitedLondonAuthorised Transcom Worldwide (UK) LimitedLeedsAuthorised

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 Virtual Lease Services

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
All 56 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Virtual Lease Services Limited FCA authorised?

Yes, Virtual Lease Services Limited (FRN 662603) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a debt collector. The FCA has placed no limits on its permissions.

What is Virtual Lease Services’ phone number and website?

The FCA register lists the phone number 01244 957236 and the website vls.uk.com for Virtual Lease Services. If you were given different contact details, use these to check with the firm before going any further.

Is Virtual Lease Services a scam or clone?

Virtual Lease Services 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 Virtual Lease Services?

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

Who runs Virtual Lease Services?

Companies House lists 3 directors of Virtual Lease Services: Omar Shahab Ghauri, Usman Idrees and Linda O Neil.

How long has Virtual Lease Services been in business?

The company was formed on 20 October 1999, and has held its current FCA authorisation since February 2016.

Does Virtual Lease Services use any other names?

It has previously used the name Banking Works.