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BNP Paribas Personal Finance, formerly known as LaSer UK, is a British and Irish provider of consumer finance. It operates in the UK and in the Republic of Ireland. The company administers credit and loyalty programmes for other businesses across multiple sectors, including retail, household, insurance, entertainment and leisure. BNP Paribas Personal Finance manages four million customers and 300 UK partnerships. , it had financed £1.6 billion in credit. The company's operations are in Solihull and Belfast, where it employs 740 people. BNP Paribas Personal Finance consists of two separate companies ''Creation Financial Services Limited'', and ''Creation Consumer Finance Limited'', collectively trading under the name of ''Creation''. BNP Paribas Personal Finance is fully owned by the France-based BNP Paribas. History The company began its existence in 1973 as the financial services arm of Selfridges department store providing credit to its customers. The company eventually ...
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Sears Plc
Sears plc was a large British-based conglomerate. The company was listed on the London Stock Exchange and was once a constituent of the FTSE 100 Index. It was acquired by Charles Clore in the 1950s who expanded the company to be one of the largest retailers in Britain. It was acquired by Philip Green in 1999 who oversaw the break up of the group. History The business was founded by John and William Sears in 1891 and initially traded as bootmakers under the name of ''Trueform''.Richard Davenport-HineClore, Sir Charles (1904–1979)''Oxford Dictionary of National Biography'', Oxford University Press, 2004 Despite the company using the Sears name, it has no relations with Chicago, Illinois-based Sears Roebuck and Company and its 2005-2019 parent company, Hoffman Estates, Illinois-based Sears Holdings Corporation. In 1929 Sears acquired footwear retailers Freeman, Hardy and Willis. Acquisition by Charles Clore The business was acquired by Charles Clore in 1953 for £4 milli ...
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Subsidiary
A subsidiary, subsidiary company, or daughter company is a company (law), company completely or partially owned or controlled by another company, called the parent company or holding company, which has legal and financial control over the subsidiary company. Unlike regional branches or divisions, subsidiaries are considered to be distinct entities from their parent companies; they are required to follow the laws of where they are incorporated, and they maintain their own executive leadership. Two or more subsidiaries primarily controlled by same entity/group are considered to be sister companies of each other. Subsidiaries are a common feature of modern business, and most multinational corporations organize their operations via the creation and purchase of subsidiary companies. Examples of holding companies are Berkshire Hathaway, Jefferies Financial Group, The Walt Disney Company, Warner Bros. Discovery, and Citigroup, which have subsidiaries involved in many different Industry (e ...
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Financial Services
Financial services are service (economics), economic services tied to finance provided by financial institutions. Financial services encompass a broad range of tertiary sector of the economy, service sector activities, especially as concerns financial management and consumer finance. The finance industry in its most common sense concerns commercial banks that provide market liquidity, derivative (finance), risk instruments, and broker, brokerage for large public company, public companies and multinational corporations at a macroeconomics, macroeconomic scale that impacts domestic politics and foreign relations. The extragovernmental power and scale of the finance industry remains an ongoing controversy in many industrialized Western economies, as seen in the American Occupy Wall Street civil protest movement of 2011. Styles of financial institution include credit union, bank, savings and loan association, trust company, building society, brokerage firm, payment processor, many ty ...
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Selfridges
Selfridges, also known as Selfridges & Co., is a chain of upmarket department stores in the United Kingdom that is operated by Selfridges Retail Limited. It was founded by Harry Gordon Selfridge in 1908. The historic Daniel Burnham-designed Selfridges, Oxford Street, Selfridges flagship store at 400 Oxford Street in London opened on 15 March 1909 and is the second-largest shop in the UK (after Harrods). Other Selfridges stores opened in the Manchester area at the Trafford Centre (1998) and at Exchange Square (Manchester), Exchange Square (2002), and in Birmingham at the Selfridges Building, Birmingham, Bullring (2003). During the 1940s, smaller provincial Selfridges stores were sold to the John Lewis Partnership, and in 1951, the original Oxford Street store was acquired by the Liverpool-based Lewis's chain of department stores. Lewis's and Selfridges were then taken over in 1965 by the Sears plc, Sears Group, owned by Charles Clore.subscription required Expanded under the Sears ...
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Solihull
Solihull ( ) is a market town and the administrative centre of the Metropolitan Borough of Solihull, in the West Midlands (county), West Midlands, England. Solihull is situated on the River Blythe in the Arden, Warwickshire, Forest of Arden area. The town had a population of 126,577 at the 2021 Census, and its wider borough had a population of 216,240. The town is located 7.5 miles (12 km) southeast of Birmingham and 14 miles (21 km) west of Coventry. Solihull itself is mostly urban; however, the larger borough is rural in character, with many outlying villages, and three quarters of the borough designated as green belt. The town and its borough, which has been part of Warwickshire for most of its history, has roots dating back to the 1st century BC, and was further formally established during the medieval era. Today the town is famed as, amongst other things, the birthplace of the Land Rover car marque, home of Solihull Moors FC and the training facilities for the Br ...
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Consumer Finance
Personal finance is the financial management that an individual or a family unit performs to budget, save, and spend monetary resources in a controlled manner, taking into account various financial risks and future life events. When planning personal finances, the individual would take into account the suitability of various banking products ( checking accounts, savings accounts, credit cards, and loans), insurance products (health insurance, disability insurance, life insurance, etc.), and investment products ( bonds, stocks, real estate, etc.), as well as participation in monitoring and management of credit scores, income taxes, retirement funds and pensions. History Before a specialty in personal finance was developed, various closely related disciplines, such as family economics and consumer economics, were taught in various colleges as part of home economics for over 100 years. In 1920, Hazel Kyrk's dissertation at the University of Chicago was instrumental in ...
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BNP Paribas
BNP Paribas (; sometimes referred to as BNPP or BNP) is a French multinational universal bank and financial services holding company headquartered in Paris. It was founded in 2000 from the merger of two of France's foremost financial institutions, Banque Nationale de Paris (BNP) and Paribas. It also incorporates many other major institutions through successive acquisitions, including Fortis Bank in Belgium, Direkt Anlage Bank in Germany, Banca Nazionale del Lavoro in Italy, Banque Générale du Luxembourg in Luxembourg, and Türk Ekonomi Bankası in Turkey. The group has also been present in the United States through its subsidiaries Bank of the West until 2023 and First Hawaiian Bank until 2019. With 190,000 employees, the bank is organized into three major business areas: Commercial, Personal Banking & Services (CPBS); Investment & Protection Services (IPS); and Corporate & Institutional Banking (CIB). BNP Paribas is listed on Euronext Paris and is a component of th ...
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Consumer Finance
Personal finance is the financial management that an individual or a family unit performs to budget, save, and spend monetary resources in a controlled manner, taking into account various financial risks and future life events. When planning personal finances, the individual would take into account the suitability of various banking products ( checking accounts, savings accounts, credit cards, and loans), insurance products (health insurance, disability insurance, life insurance, etc.), and investment products ( bonds, stocks, real estate, etc.), as well as participation in monitoring and management of credit scores, income taxes, retirement funds and pensions. History Before a specialty in personal finance was developed, various closely related disciplines, such as family economics and consumer economics, were taught in various colleges as part of home economics for over 100 years. In 1920, Hazel Kyrk's dissertation at the University of Chicago was instrumental in ...
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Galeries Lafayette
Galeries Lafayette () is an upmarket French department store chain, the biggest in Europe. Its flagship store is on Boulevard Haussmann in the 9th arrondissement of Paris but it now operates a number of locations in France and other countries. In 2019, Galeries Lafayette recorded earnings of over five billion euros." Galeries Lafayette. Dans les coulisses d'une machine à vendre ", ''Le Monde Magazine'', 19 December 2009, p. 29 It is a part of the company Groupe Galeries Lafayette and has been a member of the International Association of Department Stores since 1960. History In 1894, Théophile Bader and his cousin Alphonse Kahn opened a fashion store in a small haberdasher's shop at the corner of rue La Fayette and the Chaussée d'Antin, in Paris. In 1896, their company purchased the entire building at 1 rue La Fayette; in 1905 they acquired the buildings at 38, 40 and 42 boulevard Haussmann and 15 rue de la Chaussée d'Antin. Bader commissioned the architect Georges ...
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Premier League
The Premier League is a professional association football league in England and the highest level of the English football league system. Contested by 20 clubs, it operates on a system of promotion and relegation with the English Football League (EFL). Seasons usually run from August to May, with each team playing 38 matches: two against each other team, one home and one away. Most games are played on weekend afternoons, with occasional weekday evening fixtures. The competition was founded as the FA Premier League on 20 February 1992, following the decision of clubs from the Football League First Division, First Division (the top tier since 1888) to break away from the English Football League. Teams are still promoted and relegated to and from the EFL Championship each season. The Premier League is a corporation managed by a Richard Masters (football), chief executive, with member clubs as shareholders. The Premier League takes advantage of a £5 billion domestic televi ...
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Football League Championship
The English Football League Championship, known simply as the Championship and for sponsorship purposes as Sky Betting & Gaming, Sky Bet Championship, is a professional association football league in England and Wales. Contested by 24 clubs, it is the highest division of the English Football League (EFL) and second-highest overall in the English football league system, sitting below the Premier League. Introduced for the 2004–05 in English football, 2004–05 season as the Football League Championship, the division is a rebrand of the former Football League First Division. The winning football team, club of this division each season receives the EFL Championship trophy, which was the previous trophy awarded to list of English football champions, the winners of the English top-flight prior to the launch of the Premier League. As with other divisions of professional English football, Welsh clubs can be part of this division, thus making it a cross-border league. Each season, t ...
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