Aci-UK Limited

Reference number: 708400

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

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.

In the full report: 3 background checks

  • When aciuk.co.uk first appeared online, and whether it can receive email
  • What kind of line 01253 531528 is
  • Who else gives the postcode FY4 5LW
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Other names (5)

If you were contacted under any of these names, it is this firm.

  • ACI Trading name
  • Asset Collections and Investigations Limited Former name
  • ACI Collections Former trading name
  • Reconnect Former trading name
  • Reconnect UK Former trading name

FCA permissions and consumer protection

  • 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.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (5 permissions)
  • Debt Administration
  • Debt-collecting
  • 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)
  • Exercising or having the right to exercise the lender's rights and duties in relation to high-cost short-term credit
  • Exercising or having the right to exercise the lender's rights and duties under a regulated home credit loan agreement

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
47
upheld, against a 31% median
41%
about banking and credit
47

A bigger firm gets more complaints simply because it has more customers. With this few, one case moves the upheld rate a lot.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
03775287
Company status
Active
Company type
Private limited company
Incorporated
21 May 1999 (27 years old)
Registered office
Unit 10 Whitehills Drive, Whitehills Business Park, Blackpool, Lancashire, FY4 5LW, England
Nature of business
  • Activities of collection agencies (SIC 82911)

Directors and company secretaries

Name Role Born Appointed Other companies
Craig Andrew Hinchliffe Director Aug 1982 26 Jan 2018 19 other companies
Simon Peter Unsworth Director Dec 1975 26 Jan 2018 7 other companies
Andrew Bartle Director Apr 1969 1 Apr 2021 3 other companies
Mark Samuel Pickup Director Sep 1989 24 Oct 2022 4 other companies
Steve Peacock Director Oct 1970 7 Sep 2026 1 other company

Other companies run by these 5 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
22
closed down
6
are FCA-registered
4

In the full report: all 22 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 4 on the FCA register
  • The 7 companies these 5 directors run together
  • All 17 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2022Small company accountsAudited

Net assets

£1.78m

+82% from £980k

Cash at bank

£147k

−2.1% from £150k

Employees (average)

36

+16% from 31

Owed within a year

£701k

−16% from £835k

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2019 to 2022
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 03775287. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Aci-UK’s history from the FCA register and Companies House, newest first.

Key events (15) All events (51)

2022

14 July 2022

  • Perch Group Limited took control (75–100% of shares)
  • Tm Assets Limited gave up control

Companies House

2021

8 December 2021

  • Changed its registered name from "Asset Collections and Investigations Limited"

FCA register

2018

9 March 2018

  • Colin Alexander Dempster no longer has significant control
  • Kirsty Callaghan no longer has significant control

Companies House

2017

5 October 2017

  • Tm Assets Limited took control (75–100% of shares)

Companies House

30 August 2017

  • Paul Hall Mackenzie no longer has significant control

Companies House

1 August 2017

  • Paul Hall Mackenzie gained significant control

Companies House

2016

21 April 2016

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

6 April 2016

  • Colin Alexander Dempster gained significant control
  • Kirsty Callaghan gained significant control

Companies House

2014

1 December 2014

  • Board replaced: its only director left and a new director took over

Companies House

2012

6 November 2012

  • Board replaced: its only director left and a new director took over

Companies House

1999

21 May 1999

  • Incorporated at Companies House

Companies House

In the full report: all 51 events

  • All 51 events in its history (15 shown here)
  • Every director appointment and resignation: 27
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Firms connected to Aci-UK

Other FCA-listed firms that share a director, phone number or address with Aci-UK. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
5
share a director
3
share its postcode
4

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (3), the same postcode (4)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Aci-UK

Other firms of the same type (debt collector), nearest first.

Elsewhere in the UK

Experian Refi Outsource Services LimitedNottinghamAuthorisedBarclays Security Trustee LimitedLondonAuthorisedFunding Circle LtdLondonAuthorisedPaymentsense LimitedLondonAuthorisedTranscom Worldwide (UK) LimitedLeedsAuthorisedThe Guinness Partnership LimitedLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Aci-UK

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 22 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 51 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Aci-UK Limited FCA authorised?
Yes, Aci-UK Limited (FRN 708400) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2016 and works as a debt collector. The FCA has placed no limits on its permissions.
What is Aci-UK’s phone number and website?
The FCA register lists the phone number 01253 531528 and the website aciuk.co.uk for Aci-UK. If you were given different contact details, use these to check with the firm before going any further.
Is Aci-UK a scam or clone?
Aci-UK is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Aci-UK?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Aci-UK handles your money, so check the specific product before you commit. You can also refer complaints about Aci-UK to the Financial Ombudsman Service, free of charge.
Who owns Aci-UK?
Aci-UK is owned by Perch Group Limited, which holds 75–100% of shares, since 14 July 2022. Before that, it was controlled by Mr Colin Alexander Dempster, Miss Kirsty Callaghan and Mr Paul Hall Mackenzie.
Who runs Aci-UK?
Companies House lists 5 directors of Aci-UK: Craig Andrew Hinchliffe, Simon Peter Unsworth, Andrew Bartle, Mark Samuel Pickup and Steve Peacock.
How long has Aci-UK been in business?
The company was formed on 21 May 1999, and has held its current FCA authorisation since April 2016.
What do Aci-UK’s latest accounts show?
Its latest accounts, to 31 March 2022, show net assets of £1.78m (+82% from £980k) and cash at bank of £147k (−2.1% from £150k).
How many complaints does Aci-UK get?
In January–June 2025, the Financial Ombudsman Service received 47 new complaints about Aci-UK, and upheld 41% of those it decided.
Does Aci-UK use any other names?
It trades as ACI. It has previously used 4 other names, including Asset Collections and Investigations Limited, ACI Collections and Reconnect.

Sources and links

The full report on Aci-UK Limited

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