Universal Car Credit Limited

Reference number: 719606

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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
  • Drivepay

Company details

From the company's Companies House record.

Company number
08543244
Company status
Active
Company type
Private limited company
Incorporated
24 May 2013 (13 years old)
Registered office
Berkshire Fiesta Centre Bath Road, Padworth, Reading, RG7 5HR
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Current directors and secretaries

Name Role Born Appointed
Gavin Courtenay Leach Director Jun 1965 24 May 2013
Dominic Raymond Leach Director May 1997 15 Jan 2021
Michelle Leach Secretary Not published 1 Jun 2025

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • 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.
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)

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

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

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Universal Car Credit Limited FCA authorised?
Yes, Universal Car Credit Limited (FRN 719606) is authorised by the FCA to carry out regulated activities.
Is my money safe with Universal Car Credit?
Protection depends on which product you hold and how Universal Car Credit handles your money, so check the specific product before you commit. You can also refer complaints about Universal Car Credit to the Financial Ombudsman Service, free of charge.
Is Universal Car Credit a scam or clone?
Universal Car Credit 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 Universal Car Credit's Firm Reference Number (FRN)?
Universal Car Credit's FRN is 719606. You can verify it on the FCA register.