Citizens Advice West Northamptonshire and Cherwell Ltd: FCA regulated?

Authorised by the FCA

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

Authorised for 12 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 1999

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.

Website

cawnac.org.uk (opens in a new tab)
Phone number

01295 237940
Address

Doddridge Centre Ltd, Doddridge Building, 109 St. James Road, Northampton, Northamptonshire, NN5 5LD, United Kingdom

In the full report: 3 background checks

When cawnac.org.uk first appeared online, and whether it can receive email
What kind of line 01295 237940 is
Who else gives the postcode NN5 5LD

Other names (3)

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

CAWNAC Trading name: A name it trades under now.
Banbury Citizens Advice Bureau Former name: A name it was registered under before.
Citizens Advice North Oxfordshire And South Northamptonshire Former name: A name it was registered under before.

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: 03842133 (opens Companies House in a new tab)
Company status: Active
Company type: Private company limited by guarantee
Incorporated: 15 September 1999 (27 years old)
Registered office: 109 St. James Road, Northampton, NN5 5LD, England
Nature of business: Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Julie Ann Baker	Director	Oct 1963	2 Mar 2023	3 other companies
Rosalind Humphreys	Director	Jul 1963	31 Aug 2023	None
Dinesh Natwarlal Kotecha	Director	Jul 1956	31 Aug 2023	4 other companies
Peter Nigel Matten	Director	Nov 1965	31 Aug 2023	2 other companies
Ashley Ritchie	Director	Jun 1991	7 Dec 2023	None
Isabel Lloyd-Jones	Director	Jan 1957	2 Sep 2025	None
Kostas Deligiannopoulos	Director	Mar 1981	2 Sep 2025	None
Cassandra Bellingham	Director	Jun 1975	20 Oct 2025	None
Catherine Louise O Riordan	Secretary	Not published	22 Oct 2008	–

Other companies run by these 8 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: 9
closed down: 2
went insolvent: 1

In the full report: all 9 companies, named

What each company does, and whether it is still trading
Which of these 8 directors sit on each board, and since when
The one that went into liquidation or administration
All 88 people who have ever been directors, with their dates

Key dates in its history

This firm’s history from the FCA register and Companies House, newest first.

Key events (6) All events (191)

2024

4 December 2024

Changed its registered name from "Citizens Advice North Oxfordshire And South Northamptonshire"

FCA register

2017

11 May 2017

Changed its registered name from "Banbury Citizens Advice Bureau"

FCA register · Companies House

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

1999

15 September 1999

Incorporated at Companies House

Companies House

In the full report: all 191 events

All 191 events in its history (6 shown here)
Every director appointment and resignation: 181

Connected firms

Other FCA-listed firms that share a director, phone number or address with this firm. 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

Similar firms

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

In Northampton

Community Law Service (Northampton and County)NorthamptonAuthorised BRI (UK) LimitedNorthamptonAuthorised

In the Northampton (NN) postcode area

Accommodation ConcernKetteringAuthorised Citizens Advice Services Corby & KetteringCorbyAuthorised

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 this firm

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

9 other companies its directors have run, named
3 background checks on its contact details
All 191 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 West Northamptonshire and Cherwell Ltd FCA authorised?

Yes, Citizens Advice West Northamptonshire and Cherwell Ltd (FRN 617496) 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 West Northamptonshire and Cherwell’s phone number and website?

The FCA register lists the phone number 01295 237940 and the website cawnac.org.uk for Citizens Advice West Northamptonshire and Cherwell. If you were given different contact details, use these to check with the firm before going any further.

Is Citizens Advice West Northamptonshire and Cherwell a scam or clone?

Citizens Advice West Northamptonshire and Cherwell 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 West Northamptonshire and Cherwell?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Citizens Advice West Northamptonshire and Cherwell handles your money, so check the specific product before you commit. You can also refer complaints about Citizens Advice West Northamptonshire and Cherwell to the Financial Ombudsman Service, free of charge.

Who runs Citizens Advice West Northamptonshire and Cherwell?

Companies House lists 8 directors of Citizens Advice West Northamptonshire and Cherwell: Julie Ann Baker, Rosalind Humphreys, Dinesh Natwarlal Kotecha, Peter Nigel Matten, Ashley Ritchie, Isabel Lloyd-Jones and 2 more.

How long has Citizens Advice West Northamptonshire and Cherwell been in business?

The company was formed on 15 September 1999, and has held its current FCA authorisation since April 2014.

Does Citizens Advice West Northamptonshire and Cherwell use any other names?

It trades as CAWNAC. It has previously used 2 other names: Banbury Citizens Advice Bureau and Citizens Advice North Oxfordshire And South Northamptonshire.