Cornerstone Merchant Services (North) Limited

Reference number: 710416

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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 payacharity.com first appeared online, and whether it can receive email
  • What kind of line 0333 123 1243 is, and the 2 other firms that give it
  • Who else gives the postcode NN3 6BW
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Other names (1)

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

  • Payacharity Trading name

FCA permissions and consumer protection

  • Lend or arrange credit · Hire out goods to consumers 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)
  • Credit Broking
  • Entering into Regulated Consumer Hire Agreements as owner
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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
07373392
Company status
Active
Company type
Private limited company
Incorporated
13 September 2010 (16 years old)
Registered office
1 Westleigh Office Park, Scirocco Close, Northampton, NN3 6BW, England
Nature of business
  • Renting and leasing of other machinery, equipment and tangible goods not elsewhere classified (SIC 77390)

Directors and company secretaries

Name Role Born Appointed Other companies
William Robert Thomson Director May 1963 20 Apr 2017 25 other companies

Other companies run by its director

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
25
closed down
16
are FCA-registered
3

In the full report: all 25 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Full accountsNot audited

Total equity

£1.31m

<1% from £1.32m

Cash at bank

£53.2k

−93% from £798k

Owed within a year

£1.12m

−18% from £1.36m

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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.

Accounts filed at Companies House for company 07373392. 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

Cornerstone Merchant Services (North)’s history from the FCA register and Companies House, newest first.

Key events (10) All events (24)

2021

14 September 2021

  • William Robert Thomson gained significant control

Companies House

2017

20 April 2017

  • Board replaced: its only director left and a new director took over
  • Charles Anthony Whittle no longer has significant control
  • Dahntay Properties Ltd gave up control
  • Richmond International Limited gained significant control

Companies House

2016

6 April 2016

  • Charles Anthony Whittle gained significant control
  • Dahntay Properties Ltd took control (75–100% of shares)

Companies House

22 February 2016

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

FCA register

2010

13 September 2010

  • Incorporated at Companies House

Companies House

In the full report: all 24 events

  • All 24 events in its history (10 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Cornerstone Merchant Services (North)

Other FCA-listed firms that share a director, phone number or address with Cornerstone Merchant Services (North). A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share a director
2
share its phone number
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Cornerstone Merchant Services (North)

Other firms of the same type (credit broker), nearest first.

In Northampton

Lois HookNorthamptonAuthorisedSum Answers LimitedNorthamptonAuthorisedOakley HealthcareNorthamptonAuthorisedAndrew NicolaouNorthamptonAuthorisedBarbara Jane WillisonNorthamptonAuthorisedBond Capital FinanceNorthamptonAuthorised

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 Cornerstone Merchant Services (North)

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

  • 25 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 24 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Cornerstone Merchant Services (North) Limited FCA authorised?
Yes, Cornerstone Merchant Services (North) Limited (FRN 710416) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Cornerstone Merchant Services (North)’s phone number and website?
The FCA register lists the phone number 0333 123 1243 and the website payacharity.com for Cornerstone Merchant Services (North). If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Cornerstone Merchant Services (North) a scam or clone?
Cornerstone Merchant Services (North) 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 Cornerstone Merchant Services (North)?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Cornerstone Merchant Services (North) handles your money, so check the specific product before you commit. You can also refer complaints about Cornerstone Merchant Services (North) to the Financial Ombudsman Service, free of charge.
Who owns Cornerstone Merchant Services (North)?
Companies House lists 2 people with significant control of Cornerstone Merchant Services (North): Mr William Robert Thomson (significant influence or control) and Richmond International Limited (significant influence or control). Before that, it was controlled by Mr Charles Anthony Whittle and Dahntay Properties Ltd.
Who runs Cornerstone Merchant Services (North)?
Companies House lists one director of Cornerstone Merchant Services (North): William Robert Thomson.
How long has Cornerstone Merchant Services (North) been in business?
The company was formed on 13 September 2010, and has held its current FCA authorisation since February 2016.
What do Cornerstone Merchant Services (North)’s latest accounts show?
Its latest accounts, to 31 March 2025, show total equity of £1.31m (<1% from £1.32m) and cash at bank of £53.2k (−93% from £798k).
Does Cornerstone Merchant Services (North) use any other names?
It trades as Payacharity.

Sources and links

The full report on Cornerstone Merchant Services (North) Limited

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