Volkswagen Financial Services (UK) Limited

Reference number: 311988

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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 customer.vwfs.co.uk first appeared online, and whether it can receive email
  • What kind of line 01908 485000 is, and the other firm that gives it
  • Who else gives the postcode MK14 5LR
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Other names (65)

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

  • Audi Finance Trading name
  • Audi Financial Services Trading name
  • Audi Insurance Trading name
  • Bentley Finance Trading name
  • Bentley Financial Services Trading name
  • Bentley Insurance Services Trading name
  • CUPRA Finance Trading name
  • CUPRA Financial Services Trading name
  • CUPRA Insurance Services Trading name
  • Lamborghini Financial Services Trading name
  • MAN Financial Services Trading name
  • Porsche Finance Trading name
  • Porsche Financial Services Trading name
  • Porsche Insurance Trading name
  • Seat Finance Trading name
  • Seat Financial Services Trading name
  • Seat Insurance Trading name
  • Skoda Finance Trading name
  • Skoda Financial Services Trading name
  • Skoda Insurance Trading name
  • Volkswagen Commercial Vehicle Finance Trading name
  • Volkswagen Commercial Vehicle Financial Services Trading name
  • Volkswagen Commercial Vehicle Insurance Trading name
  • Volkswagen Finance Trading name
  • Volkswagen Financial Services Trading name
  • Volkswagen Financial Services Fleet Trading name
  • Volkswagen Insurance Trading name
  • VWCV Finance Trading name
  • Audi Business Solutions Former trading name
  • Audi Contract Hire Former trading name
  • Audi Fleet Management Former trading name
  • Audi Leasing Former trading name
  • Audi Solutions Former trading name
  • A U F Former trading name
  • Auto Union Finance Former trading name
  • Bentley Business Solutions Former trading name
  • Bentley Contract Hire Former trading name
  • Bentley Leasing Former trading name
  • Bentley Solutions Former trading name
  • International Fleet Management Former trading name
  • Porsche Contract Hire Former trading name
  • Porsche Insurance Services Former trading name
  • Porsche Leasing Former trading name
  • Porsche Preferences Former trading name
  • Seat Contract Hire Former trading name
  • Seat Fleet Management Former trading name
  • Seat Freespirit Former trading name
  • Seat Leasing Former trading name
  • Seat Solutions Former trading name
  • Skodaauto Finance Former trading name
  • Skoda Auto Insurance Former trading name
  • Skoda Contract Hire Former trading name
  • Skoda Leasing Former trading name
  • Skoda Solutions Former trading name
  • Vag Finance Former trading name
  • Volkswagen Business Solutions Former trading name
  • Volkswagen Commercial Vehicle Contract Hire Former trading name
  • Volkswagen Commercial Vehicle Fleet Management Former trading name
  • Volkswagen Commercial Vehicle Leasing Former trading name
  • Volkswagen Commercial Vehicle Solutions Former trading name
  • Volkswagen Contract Hire Former trading name
  • Volkswagen Fleet Management Former trading name
  • Volkswagen Leasing Former trading name
  • Volkswagen Solutions Former trading name
  • Volkswagen Van Insurance Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • 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 (11 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • 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
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

FCA disciplinary action and Ombudsman complaints

FCA action

fine
1
in fines
£5.40m
most recent
October 2024
  • Fined £5.4m on 21 October 2024
    This Final Notice refers to breaches of PRIN 3, 6, 7, CONC and DISP, all of which related to the treatment of customers in financial difficulty in the consumer credit sector. We imposed a financial penalty of £5,397,600.

Ombudsman complaints

new complaints, January–June 2025
11,599
upheld, against a 31% median
41%
about banking and credit
11,592

A bigger firm gets more complaints simply because it has more customers.

Companies House record

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

Company number
02835230
Company status
Active
Company type
Private limited company
Incorporated
12 July 1993 (33 years old)
Registered office
Brunswick Court Yeomans Drive, Blakelands, Milton Keynes, MK14 5LR
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Renting and leasing of cars and light motor vehicles (SIC 77110)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael John Todd Director May 1966 28 Sep 2018 4 other companies
Jean Michelle Smith Director Jan 1964 1 Apr 2019 5 other companies
Thierry Verbist Director Apr 1971 24 Apr 2024 None
Gerrit Otto Walter Heimberg Director Sep 1974 1 Jul 2025 None
Ingrun Ulla Bartoelke (Dr) Director Oct 1967 1 Jul 2025 None
Kai Guenther Vogler Director May 1977 23 Oct 2026 None

Other companies run by these 6 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
6
closed down
3
went insolvent
1

In the full report: all 6 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The one on the FCA register
  • The 3 companies these 6 directors run together
  • All 39 people who have ever been directors, with their dates
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Key dates in its history

Volkswagen Financial Services (UK)’s history from the FCA register and Companies House, newest first.

Key events (7) All events (190)

2024

21 October 2024

  • Fined £5.4m by the FCA

FCA register

2019

4 June 2019

  • FCA imposed a requirement (Not permitted to canvass off trade premises)

FCA register

2016

6 April 2016

  • Volkswagen Aktiengesellschaft took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1993

12 July 1993

  • Incorporated at Companies House

Companies House

In the full report: all 190 events

  • All 190 events in its history (7 shown here)
  • Every director appointment and resignation: 76
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Firms connected to Volkswagen Financial Services (UK)

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

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Volkswagen Financial Services (UK)

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

In Milton Keynes

Mercedes-Benz Financial Services UK LimitedMilton KeynesAuthorisedSnap Finance LimitedMilton KeynesAuthorisedOpen University Student Budget Accounts LimitedMilton KeynesAuthorisedStuart ClarkeMilton KeynesAuthorisedWoburn Enterprises PartnershipMilton KeynesAuthorisedBDM Business Solutions LimitedMilton KeynesAuthorised

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 Volkswagen Financial Services (UK)

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 190 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Volkswagen Financial Services (UK) Limited FCA authorised?
Yes, Volkswagen Financial Services (UK) Limited (FRN 311988) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a lender. The FCA has placed a limit on what it may do.
What is Volkswagen Financial Services (UK)’s phone number and website?
The FCA register lists the phone number 01908 485000 and the website customer.vwfs.co.uk for Volkswagen Financial Services (UK). 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 Volkswagen Financial Services (UK) a scam or clone?
Volkswagen Financial Services (UK) 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 Volkswagen Financial Services (UK)?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Volkswagen Financial Services (UK) to the Financial Ombudsman Service, free of charge.
Who owns Volkswagen Financial Services (UK)?
Volkswagen Financial Services (UK) is owned by Volkswagen Aktiengesellschaft, which holds 75–100% of shares and 75–100% of votes, since 6 April 2016.
Who runs Volkswagen Financial Services (UK)?
Companies House lists 6 directors of Volkswagen Financial Services (UK): Michael John Todd, Jean Michelle Smith, Thierry Verbist, Gerrit Otto Walter Heimberg, Ingrun Ulla Bartoelke (Dr) and Kai Guenther Vogler.
How long has Volkswagen Financial Services (UK) been in business?
The company was formed on 12 July 1993, and has held its current FCA authorisation since January 2005.
Has the FCA taken action against Volkswagen Financial Services (UK)?
Yes. The FCA register records 1 fine in 2024, £5.4m in total. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does Volkswagen Financial Services (UK) get?
In January–June 2025, the Financial Ombudsman Service received 11,599 new complaints about Volkswagen Financial Services (UK), and upheld 41% of those it decided.
Does Volkswagen Financial Services (UK) use any other names?
It trades as Audi Finance, Audi Financial Services, Audi Insurance, Bentley Finance and Bentley Financial Services, and 23 more names. It has previously used 37 other names, including Audi Business Solutions, Audi Contract Hire and Audi Fleet Management.

Sources and links

The full report on Volkswagen Financial Services (UK) Limited

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