Heritable Capital Ltd
Reference number: 613678
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On the register, but not FCA authorised
This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.
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.
Identity
Check their details
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.
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No website on the FCA register
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No phone number on the FCA register
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Verified address
4th floor, 90 WHITFIELD ST, LONDON, W1T 4EZ, United Kingdom
Company details
From the company's Companies House record.
- Company name
- HERITABLE CAPITAL LIMITED
- Company number
- 08775777
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 November 2013 (12 years old)
- Registered office
- 4th Floor 90 Whitfield Street, London, W1T 4EZ, England
- Nature of business
-
- Other credit granting not elsewhere classified (SIC 64929)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Thomas George Edward Barratt | Director | Oct 1979 | 14 Nov 2013 |
| Nicholas Peter Barrett | Director | Mar 1968 | 14 Nov 2013 |
| Andrew John Ralph Heaton | Director | Nov 1974 | 14 Nov 2013 |
| David Ridley | Director | Jul 1978 | 20 Jun 2019 |
| Kristofer Ward | Director | Sep 1978 | 20 Jun 2019 |
| Christopher Dunn Birch | Director | Jun 1978 | 20 Jun 2019 |
| Paul Reynoldson | Director | Feb 1978 | 20 Jun 2019 |
| James Gardner Hutchinson | Director | Oct 1979 | 19 Jun 2026 |
Activities and protection
What the record covers, and how you are protected
- Money-laundering registration onlyThis firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Track record
FCA actions and complaints
No FCA disciplinary action, and no complaints recorded with the Ombudsman.
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Common questions