Clifford Watts Limited

Reference number: 680745

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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 cliffordwatts.com first appeared online, and whether it can receive email
  • What kind of line 01522 683121 is
  • Who else gives the postcode CF10 5NB
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Other names (1)

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

  • www.yourdebtadvice.co.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 (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
08204102
Company status
Active
Company type
Private limited company
Incorporated
6 September 2012 (14 years old)
Registered office
11 Coopers Yard, Cardiff, CF10 5NB
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Melanie Reevel Giles Director Oct 1964 6 Sep 2012 4 other companies
Kevin Andrew Still Director Mar 1962 6 Sep 2012 13 other companies

Other companies run by these 2 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
16
closed down
6
went insolvent
2

In the full report: all 16 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The one on the FCA register
  • The 1 company these 2 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£6,137

−87% from £47.2k

Employees (average)

4

+100% from 2

Owed within a year

£0

−100% from £4,250

Net assets

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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 08204102. 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

Clifford Watts’s history from the FCA register and Companies House, newest first.

Key events (5) All events (13)

2017

7 February 2017

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

FCA register

2016

6 September 2016

  • Melanie Reevel Giles became the majority owner (50–75% of shares)

Companies House

6 April 2016

  • Kevin Andrew Still became a part-owner (25–50% of shares)

Companies House

2012

6 September 2012

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Clifford Watts

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Clifford Watts

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

In Cardiff

Cadwyn Housing Association LimitedCardiffAuthorisedHafod Housing Association LimitedCardiffAuthorisedSouth Wales Law Centre LtdCardiffAuthorisedTaff Housing Association LtdCardiffAuthorisedWales & West Housing Association LimitedCardiffAuthorisedGypsies and Travellers Wales LimitedCardiffAuthorised

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 Clifford Watts

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

  • 16 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 13 events in its history

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Frequently asked questions about this firm

Is Clifford Watts Limited FCA authorised?
Yes, Clifford Watts Limited (FRN 680745) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2017 and works as a debt advice or management. The FCA has placed no limits on its permissions.
What is Clifford Watts’ phone number and website?
The FCA register lists the phone number 01522 683121 and the website cliffordwatts.com for Clifford Watts. If you were given different contact details, use these to check with the firm before going any further.
Is Clifford Watts a scam or clone?
Clifford Watts 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 Clifford Watts?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Clifford Watts handles your money, so check the specific product before you commit. You can also refer complaints about Clifford Watts to the Financial Ombudsman Service, free of charge.
Who owns Clifford Watts?
Companies House lists 2 people with significant control of Clifford Watts: Mrs Melanie Reevel Giles (50–75% of shares) and Mr Kevin Andrew Still (25–50% of shares).
Who runs Clifford Watts?
Companies House lists 2 directors of Clifford Watts: Melanie Reevel Giles and Kevin Andrew Still.
How long has Clifford Watts been in business?
The company was formed on 6 September 2012, and has held its current FCA authorisation since February 2017.
What do Clifford Watts’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £6,137 (−87% from £47.2k).
Does Clifford Watts use any other names?
It has previously used the name www.yourdebtadvice.co.uk.

Sources and links

The full report on Clifford Watts Limited

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