Credit Change Ltd

Reference number: 1016746

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Acts as a payment agent

This firm does not hold FCA authorisation of its own, and acts as a payment agent under another firm's authorisation.

This is one of the company's FCA records. It separately holds full FCA authorisation under FRN 1005131 →.

Responsible principal firm

MoneyGram International Limited Reference number: 502639 Authorised View firm →

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.

  • No website on the FCA register

  • Phone number

    0116 268 8930

  • Address

    128 City Road, London, Islington, EC1V 2NX, United Kingdom

In the full report: 2 background checks, 1 thing worth a closer look

  • What kind of line 0116 268 8930 is, and the other firm that gives it
  • Whether EC1V 2NX is a shared office: 213 other firms give it
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Past FCA permissions and consumer protection

  • Protection works through the principal
    This firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.

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
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
  • 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
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

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.

Key events (5) All events (10)

2024

8 July 2024

  • Status on the FCA register became "PSD Agent"

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 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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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 firm
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1)
  • Who links it to this firm: the named directors, with dates
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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, 1 flagged
  • All 10 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Credit Change Ltd FCA authorised?
Credit Change Ltd (FRN 1016746) is on the FCA register as an agent of an authorised payment or e-money firm. It does not hold its own authorisation: it acts under the principal's, and the principal is responsible for the money.
What is Credit Change’s phone number?
The FCA register lists the phone number 0116 268 8930 for Credit Change. 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 one other FCA firm.
Is Credit Change a scam or clone?
Credit Change 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 Credit Change?
Credit Change is an agent, so it does not hold its own FCA authorisation and FSCS does not protect money held by an agent. Your money should be safeguarded by the authorised firm it acts for. You can still refer a complaint to the Financial Ombudsman Service, which may be able to look at it.
Who owns Credit Change?
Companies House lists one person with significant control of Credit Change: Mr Reejith Kariyadan (50–75% of shares). Before that, it was controlled by Mr Chandeep Sagri.
Who runs Credit Change?
Companies House lists 3 directors of Credit Change: Reejith Kariyadan, Ritesh Lahoti and Anil Kumar Singh.
How long has Credit Change been in business?
The company was formed on 3 October 2023.
What do Credit Change’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £69.9k (+25% from £56.0k).

Sources and links

The full report on Credit Change Ltd

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