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Lender DetailsC L Finance Limited
Debt Collector

C L Finance Limited

Also known as: CL Finance; CL Finance Ltd

CL Finance Limited was a UK debt purchasing and collection company. It acquired and managed portfolios of consumer debts. The company has been dissolved and is no longer active.

If you previously received correspondence from CL Finance about a debt, any debts that were owned by CL Finance at the time of dissolution will have been dealt with as part of the wind-down of the company. In some cases, debts may have been sold on to another purchaser before dissolution.

If you are still being contacted about a debt that was previously with CL Finance, ask in writing for the name of the current debt owner and their full contact details. Any company contacting you about a debt must be able to tell you who owns it.

Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice if you need help with any debt formerly held by CL Finance. If a company contacts you claiming to own or collect a debt that was previously with CL Finance, ask for full written details including their company name, FCA registration, the original creditor, and a breakdown of the amount being claimed. You have the right to this information before making any payment or acknowledgement. If the debt is old, Citizens Advice can help you check whether it might be statute barred under the Limitation Act 1980. Free debt advice is always available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice.

Quick summary

Company typeDebt Collector
Trading namesCL Finance; CL Finance Ltd
FCA Firm Ref (FRN)Not verified
FCA statusActive (consumer credit authorisation; exact FRN not confirmed in public search — verify on FCA register)
Companies House no.01108021
Company statusActive (last accounts to 31 December 2024; next accounts due 30 September 2026)
Parent companyHSBC Group (HSBC's internal debt collections entity for UK consumer portfolios)
Official websiteNot verified
Date last checked2026-06-05

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Free regulated debt advice — start here

If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.

Why someone might search for C L Finance Limited

Received a letter, call or text
Asking for proof of debt
Who is the original creditor
Setting up a payment plan
Disputed debt
Statute-barred debt question
County court claim received
Doorstep visit concern
Getting free debt help

Before you contact C L Finance Limited

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.
  • 7Ask the company to confirm the original creditor and the amount owed in writing.
  • 8Ask whether they own the debt or are collecting on behalf of someone else.
  • 9Do not make any payment if you dispute the debt without first taking free advice.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?Who was the original creditor?
  • ?Do you own the debt or are you collecting on behalf of someone else?
  • ?Can you send a full statement of account in writing?
  • ?Can you send proof of the assignment or purchase of this debt?
  • ?Can you send a copy of the original credit agreement where applicable?
  • ?Is collection activity on hold while I seek advice?
  • ?What is your formal complaints process?

Contact details

WebsiteNot verified
PhoneNot verified
EmailNot verified
Registered addressNo.1 The Square Thorpe Park View, Thorpe Park, Leeds, England, LS15 8GH

Regulatory and company information

FCA Firm Reference NumberNot verified
FCA statusActive (consumer credit authorisation; exact FRN not confirmed in public search — verify on FCA register)
Companies House number01108021
Company statusActive (last accounts to 31 December 2024; next accounts due 30 September 2026)
Parent companyHSBC Group (HSBC's internal debt collections entity for UK consumer portfolios)

Useful official links

What they do

Main products and services

Consumer debt purchase; Debt collection on behalf of HSBC Group brands; Credit portfolio management

Trading names and group notes

HSBC Group internal collections vehicle. HFC Bank and associated consumer finance books were subsumed into HSBC UK Bank Plc from 2013.

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

No review data available.

Overall public sentiment

No public-facing consumer reviews; internal collections entity.

Get free qualified debt advice first

Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.

Organise your budget before making any decisions

Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.

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Common questions about C L Finance Limited

Why has C L Finance Limited contacted me?+
C L Finance Limited may have contacted you about a debt that is owed to them or to a company they represent. Always check the company is FCA-registered at register.fca.org.uk before taking any action. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Does C L Finance Limited own the debt or collect it on behalf of someone else?+
Some companies own debts outright (debt purchasers) while others collect on behalf of the original creditor (debt collectors). You are entitled to ask C L Finance Limited to confirm this in writing, along with the name of the original creditor.
Can I ask C L Finance Limited for proof of the debt?+
You may ask C L Finance Limited to provide a written statement of account showing the amount owed, the original creditor, and any charges or interest added. It is generally advisable to seek free debt advice before making any payment on a debt you do not recognise.
Should I ignore letters or calls from C L Finance Limited?+
It is generally not advisable to ignore contact from a debt collection company. Ignoring the contact does not make the debt go away and may result in further action being taken. However, do seek free advice before responding or making any payment.
Can C L Finance Limited take me to court?+
If a debt is owed and unpaid, a creditor or debt purchaser may apply to court for a County Court Judgement (CCJ) in England, Wales or Northern Ireland. Getting free regulated debt advice early gives you more options. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Can C L Finance Limited visit my home?+
Debt collectors can visit your home but cannot enter without your permission and do not have the legal powers of a bailiff. If you are concerned about a doorstep visit, contact Citizens Advice or National Debtline for guidance before the visit.
Where can I get free debt help?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

Sources and date checks

Other Debt Collector companies

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