A “GMGP” line on your bank or card statement is most likely a payment processed by GMGP LTD, a private limited company registered in England that works in real estate.1UK Companies House. GMGP LTD – Company Overview2The Accountancy. SIC Codes for Property Companies
Because SIC 68100 describes a business that acquires and resells property rather than one that manages lettings, a GMGP charge on your statement most plausibly relates to a property transaction: a deposit, a payment toward a purchase, or a fee tied to a real estate deal.
Why the Name on Your Statement May Not Look Familiar
Two things commonly cause a GMGP charge to look unfamiliar even when it is legitimate.
First, the company changed its name. Before May 2020, GMGP LTD traded as Agile Management Group Limited.1UK Companies House. GMGP LTD – Company Overview If you dealt with the business under the old name, any ongoing payment may now show up as “GMGP.”
Second, the name on a statement often differs from the brand a consumer expects. Companies and retailers frequently appear under a corporate or trading name that was never used with you directly. If you recently dealt with a property agent or seller, the GMGP entry may correspond to that dealing.
How to Identify the Charge Before Disputing It
A few basic checks resolve most unfamiliar entries without needing to open a dispute.
- Match the date, amount, and any reference on the statement against emails, receipts, or paperwork tied to any property payment you may have made.
- Ask anyone else who uses the account or card whether they authorized the payment.
- Search “GMGP” or “GMGP LTD” online to check the company against a service you recognize.
- Write to the company at its registered address, 6 Chatsworth Close, Blackburn, BB1 8QH, and ask for an explanation of the charge. This is a reasonable step before escalating.
Disputing a GMGP Charge With Your Bank
If the basic checks don’t explain the charge and you believe it is unauthorized or wrong, you have formal routes through your bank or card provider.
For debit card payments, or credit card payments under £100, you can ask your card provider for a chargeback. Chargeback is not a statutory right; it is run under the rules of card networks such as Visa and Mastercard. Claims generally have to be started within 120 days of the transaction or the expected delivery date, and the provider will want evidence, such as correspondence with the merchant or proof that goods or services were not received.3UK Finance. Chargeback and Section 75
For credit card purchases where a single item costs more than £100 and no more than £30,000, Section 75 of the Consumer Credit Act 1974 gives you stronger legal protection. Under Section 75, the card provider is jointly liable with the merchant for breach of contract or misrepresentation, even if the retailer has stopped trading. A Section 75 claim can be made within six years of the purchase.3UK Finance. Chargeback and Section 75 Section 75 does not generally apply to purchases made through third-party payment processors such as PayPal.4Citizens Advice. Getting Your Money Back if You Paid by Card or PayPal
If a chargeback fails or a Section 75 claim is rejected, you can take the complaint to the Financial Ombudsman Service, which reviews disputes independently at no cost to the consumer.4Citizens Advice. Getting Your Money Back if You Paid by Card or PayPal
One point worth separating out: GMGP LTD has several registered charges on its Companies House file held by lenders including Cambridge & Counties Bank Limited and National Westminster Bank PLC.5UK Companies House. GMGP LTD – Charges Those are security interests the company granted to its own lenders against property it holds. They are unrelated to any charge that would appear on a consumer’s bank statement.