Citizens Advice Copeland

Reference number: 617570

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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 citizensadvicecopeland.org.uk first appeared online, and whether it can receive email
  • What kind of line 01946 693321 is
  • Who else gives the postcode CA25 5BD
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Other names (2)

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

  • Copeland District Citizens Advice Former name
  • COPELAND CITIZENS ADVICE BUREAU Former trading name

The firm, by virtue of its constitution or any enactment, must be:(i) required (after payment of outgoings) to apply the whole of its income and any capital it expends for charitable or public purposes, and (ii) prohibited from directly or indirectly distributing amongst its members any part of its assets (otherwise than for charitable or public purposes); And the firm must not have any associate (other than a not-for profit debt advice body) which carries on debt adjusting or debt counselling or providing credit information services.)

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 (3 permissions)
  • Debt Adjusting
  • Debt-counselling
  • Providing Credit Information Services

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

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

Company number
03954988
Company status
Active
Company type
Private company limited by guarantee
Incorporated
23 March 2000 (26 years old)
Registered office
Phoenix House, 3-5 Jacktrees Road, Cleator Moor, Cumbria, CA25 5BD, England
Nature of business
  • Other information service activities not elsewhere classified (SIC 63990)
  • Activities of other membership organisations not elsewhere classified (SIC 94990)

Directors and company secretaries

Name Role Born Appointed Other companies
Craig Brown Director May 1966 16 Aug 2023 1 other company
Sarah Graham Director Jun 1986 16 Aug 2023 None
Anne-Marie Melvin Director May 1972 6 Aug 2024 None
Michael William Scholfield Director Mar 1988 31 Oct 2024 1 other company

Other companies run by these 4 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
2
still active
2

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 52 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£204k

−1.6% from £208k

Cash at bank

£151k

−2.1% from £154k

Employees (average)

16

−5.9% from 17

Owed within a year

£73.9k

−25% from £98.2k

Assets and liabilities

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 03954988. 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

Citizens Advice Copeland’s history from the FCA register and Companies House, newest first.

Key events (6) All events (113)

2020

24 December 2020

  • Changed its registered name from "Citizens Advice Copeland ["
  • Changed its registered name from "Copeland District Citizens Advice"

FCA register

2014

1 April 2014

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not for profit firm)
  • Became authorised by the FCA

FCA register

2000

23 March 2000

  • Incorporated at Companies House

Companies House

In the full report: all 113 events

  • All 113 events in its history (6 shown here)
  • Every director appointment and resignation: 104
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Firms connected to Citizens Advice Copeland

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Citizens Advice Copeland

Other firms of the same type (debt advice or management), nearest first.

In the Carlisle (CA) postcode area

Carlisle and Eden Districts Citizens Advice BureauCarlisleAuthorisedCumbria Law CentreCarlisleAuthorisedCitizens Advice AllerdaleWorkingtonAuthorised

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 Citizens Advice Copeland

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 113 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Citizens Advice Copeland FCA authorised?
Yes, Citizens Advice Copeland (FRN 617570) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2014 and works as a debt advice or management. The FCA has placed no limits on its permissions.
What is Citizens Advice Copeland’s phone number and website?
The FCA register lists the phone number 01946 693321 and the website citizensadvicecopeland.org.uk for Citizens Advice Copeland. If you were given different contact details, use these to check with the firm before going any further.
Is Citizens Advice Copeland a scam or clone?
Citizens Advice Copeland 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 Citizens Advice Copeland?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Citizens Advice Copeland handles your money, so check the specific product before you commit. You can also refer complaints about Citizens Advice Copeland to the Financial Ombudsman Service, free of charge.
Who runs Citizens Advice Copeland?
Companies House lists 4 directors of Citizens Advice Copeland: Craig Brown, Sarah Graham, Anne-Marie Melvin and Michael William Scholfield.
How long has Citizens Advice Copeland been in business?
The company was formed on 23 March 2000, and has held its current FCA authorisation since April 2014.
What do Citizens Advice Copeland’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £204k (−1.6% from £208k) and cash at bank of £151k (−2.1% from £154k).
Does Citizens Advice Copeland use any other names?
It has previously used 2 other names: Copeland District Citizens Advice and COPELAND CITIZENS ADVICE BUREAU.

Sources and links

The full report on Citizens Advice Copeland

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