Santander Consumer (UK) Plc

Reference number: 444327

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Authorised by the FCA

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

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.

Also trades as 17 other names
  • Husquvarna Motorcycles Finance
  • Hyundai Car Financial Services
  • INEOS Automotive Finance
  • Kia Access
  • Kia Financial Services
  • Ktm Finance
  • MG Motor Financial Services
  • Santander Consumer Contract Hire
  • Santander Consumer Finance
  • Santander Leasing
  • Triumph Tristar
  • Volvo Car Contract Hire
  • Volvo Car Credit
  • Volvo Car Credit Contract Hire
  • Volvo Car Financial Services
  • Yamaha Motor Finance
  • YOU Yamaha Motor Finance

Company details

From the company's Companies House record.

Company number
02248870
Company status
Active
Company type
Public limited company
Incorporated
27 April 1988 (38 years old)
Registered office
Santander House, 86 Station Road, Redhill, Surrey, RH1 1SR
Nature of business
  • Financial leasing (SIC 64910)
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Current directors and secretaries

Name Role Born Appointed
Bruno Montalvo Wilmot Director Oct 1962 17 Oct 2012
Adam Roy Goldhagen Director Sep 1964 1 Nov 2013
Mark Peter Lewis Director May 1969 1 Jan 2023
Timothy Giles Sunderland Hinton Director Apr 1964 13 Sep 2023
Thomas Charles Ryley Shepherd Director Aug 1967 6 Jun 2025
Marta Elorza Director Jan 1959 6 Jun 2025
Joaquin Caracuel Barbecho Director Dec 1977 6 Mar 2026
SANTANDER SECRETARIAT SERVICES LIMITED Corporate secretary Not published 28 Aug 2012

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • 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.

Check your FSCS cover →

Show FCA detail (14 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • Debt Adjusting
  • Debt Administration
  • Debt-collecting
  • Debt-counselling
  • 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

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

Track record

What customers have complained about

Names it no longer trades under

This firm has retired 24 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • Caterham Finance
  • Code Red Collection Services
  • GE Capital Motor Finance
  • GE Capital Woodchester
  • GE Money Car Loans
  • GE Money Motor Finance
  • GE Personal Motoring
  • jamjar.com
  • Lookers Finance
  • Mazda Financial Services
  • Mazda Financial Services Contract Hire
  • McLaren Financial Services
  • MG Money
  • Vauxhall Motor Finance
  • Volvo Car Credit Contract Hire
  • Woodchester Finance
  • YOU Yamaha Motor Finance
  • YOU Yamaha Motor Finance Easy Go
  • YOU Yamaha Motor Finance Easy Go Lease
  • YOU Yamaha Motor Finance Easy Go Lease Powered By Santander Consumer Finance
  • YOU Yamaha Motor Finance Easy Go Plus
  • YOU Yamaha Motor Finance Easy Go Plus Powered By Santander Consumer Finance
  • YOU Yamaha Motor Finance Easy Go Powered By Santander Consumer Finance
  • YOU Yamaha Motor Finance Powered By Santander Consumer Finance

Complaints record

In January–June 2025, the Financial Ombudsman Service received 2,407 new complaints about this firm, and upheld 34% of the ones it decided.

That is above the 31% median for the firms the Ombudsman reports on.

  • Banking and credit 2,405
  • Insurance 2

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

Is Santander Consumer (UK) Plc FCA authorised?
Yes, Santander Consumer (UK) Plc (FRN 444327) is authorised by the FCA to carry out regulated activities.
Is my money safe with Santander Consumer (UK)?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Santander Consumer (UK) to the Financial Ombudsman Service, free of charge.
Is Santander Consumer (UK) a scam or clone?
Santander Consumer (UK) is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Santander Consumer (UK)'s Firm Reference Number (FRN)?
Santander Consumer (UK)'s FRN is 444327. You can verify it on the FCA register.