Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
This company holds another FCA record
A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.
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.
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No website on the FCA register
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Phone number
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Address
3 Melton Road, Leicester, Leicester, LE4 6PN, United Kingdom
In the full report: 2 background checks
- What kind of line 07769 723430 is
- Who else gives the postcode LE4 6PN
FCA permissions and consumer protection
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (2 permissions)
- Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
- 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)
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
- 15183855 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 3 October 2023 (3 years old)
- Registered office
- 3 Melton Road, Leicester, LE4 6PN, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Reejith Kariyadan | Director | Oct 1975 | 3 Oct 2023 | 2 other companies |
| Ritesh Lahoti | Director | Feb 1983 | 26 Mar 2025 | 5 other companies |
| Anil Kumar Singh | Director | Nov 1976 | 26 Mar 2025 | 2 other companies |
Other companies run by these 3 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
- 7
- closed down
- 4
- went insolvent
- 1
In the full report: all 7 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 2 on the FCA register, including 2 no longer authorised
- The 2 companies these 3 directors run together
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£69.9k
+25% from £56.0k
Employees (average)
4
+33% from 3
Owed within a year
£10.6k
−88% from £92.1k
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 15183855. 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
Credit Change’s history from the FCA register and Companies House, newest first.
2024
1 July 2024
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
29 March 2024
- Chandeep Sagri stopped being a part-owner
Companies House
2023
3 October 2023
- Incorporated at Companies House
- Chandeep Sagri became a part-owner (25–50% of shares)
- Reejith Kariyadan became the majority owner (50–75% of shares)
Companies House
In the full report: all 14 events
- All 14 events in its history (6 shown here)
- Every director appointment and resignation: 5
Firms connected to Credit Change
Other FCA-listed firms that share a director, phone number or address with Credit Change. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share a director
- 1
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: shared directors (1), the same postcode (2)
- Who links each one: the named directors, with dates
- 1 past link through former directors
Firms like Credit Change
Other firms of the same type (lender), nearest first.
In Leicester
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 Credit Change
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 7 other companies its directors have run, named
- 2 background checks on its contact details
- All 14 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Credit Change Ltd FCA authorised?
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Who runs Credit Change?
How long has Credit Change been in business?
What do Credit Change’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk