Virgin Media Mobile Finance Limited

Reference number: 626215

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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.

Company details

From the company's Companies House record.

Company number
09058868
Company status
Active
Company type
Private limited company
Incorporated
27 May 2014 (12 years old)
Registered office
500 Brook Drive, Reading, RG2 6UU, United Kingdom
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Current directors and secretaries

Name Role Born Appointed
Enrique Medina Malo Director Apr 1972 30 May 2023
David Melcon Sanchez-Friera Director Aug 1970 1 Jun 2026
VMED O2 SECRETARIES LIMITED Corporate secretary Not published 1 Nov 2021

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Payments & e-money Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.

    How safeguarding works →

  • 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)

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

Complaints record

In January–June 2025, the Financial Ombudsman Service received 40 new complaints about this firm, and upheld 40% of the ones it decided.

That is above the 31% median for the firms the Ombudsman reports on. This firm receives few enough complaints that the rate moves sharply on a single case, so treat the comparison loosely.

  • Banking and credit 40

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 Virgin Media Mobile Finance Limited FCA authorised?
Yes, Virgin Media Mobile Finance Limited (FRN 626215) is authorised by the FCA to carry out regulated activities.
Is my money safe with Virgin Media Mobile Finance?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Virgin Media Mobile Finance to the Financial Ombudsman Service, free of charge.
Is Virgin Media Mobile Finance a scam or clone?
Virgin Media Mobile Finance 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 Virgin Media Mobile Finance's Firm Reference Number (FRN)?
Virgin Media Mobile Finance's FRN is 626215. You can verify it on the FCA register.