Credit Expert Ltd

Reference number: 690310

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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 creditexpert.direct first appeared online, and whether it can receive email
  • What kind of line 0333 188 0281 is
  • Who else gives the postcode G3 8EP
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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 (1 permission)
  • Credit Broking

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
09506661
Company status
Active
Company type
Private limited company
Incorporated
24 March 2015 (11 years old)
Registered office
Pacific House Fletcher Way, Parkhouse, Carlisle, CA3 0LJ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Dormant Company (SIC 99999)

Directors and company secretaries

Name Role Born Appointed Other companies
Stephen Morgan Dowdells Director Apr 1963 19 Feb 2019 6 other companies
Craig William Murray Director May 1958 19 Feb 2019 7 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
10
closed down
1
are FCA-registered
5

In the full report: all 10 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 5 on the FCA register
  • The 3 companies 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 March 2025Abridged accountsNot audited

Net assets

−£14.3k

Down £11.4k from −£2,914

Cash at bank

£1,435

Up £474 from £961

Employees (average)

0

Same as 0

Owed within a year

£22.8k

+368% from £4,875

Net assets are negative: on its last balance sheet the company owed £14.3k more than it owned.

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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 09506661. 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 Expert’s history from the FCA register and Companies House, newest first.

Key events (7) All events (15)

2019

19 February 2019

  • Board replaced: its only director left and 2 new directors took over
  • Caledonian Consumer Finance Ltd took control (75–100% of shares)
  • Hitenkumar Bhikhubhai Patel gave up control

Companies House

2016

16 April 2016

  • Hitenkumar Bhikhubhai Patel took control (75–100% of shares)

Companies House

2015

9 October 2015

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

FCA register

24 March 2015

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (7 shown here)
  • Every director appointment and resignation: 6
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Firms connected to Credit Expert

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

connected firms
5
share a director
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (5), the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Credit Expert

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

In Glasgow

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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 Expert

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

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 15 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Credit Expert Ltd FCA authorised?
Yes, Credit Expert Ltd (FRN 690310) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2015 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Credit Expert’s phone number and website?
The FCA register lists the phone number 0333 188 0281 and the website creditexpert.direct for Credit Expert. If you were given different contact details, use these to check with the firm before going any further.
Is Credit Expert a scam or clone?
Credit Expert 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 Expert?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Credit Expert handles your money, so check the specific product before you commit. You can also refer complaints about Credit Expert to the Financial Ombudsman Service, free of charge.
Who owns Credit Expert?
Credit Expert is owned by Caledonian Consumer Finance Ltd, which holds 75–100% of shares, 75–100% of votes, can appoint and remove the board and held through a firm, since 19 February 2019. Before that, it was controlled by Mr. Hitenkumar Bhikhubhai Patel.
Who runs Credit Expert?
Companies House lists 2 directors of Credit Expert: Stephen Morgan Dowdells and Craig William Murray.
How long has Credit Expert been in business?
The company was formed on 24 March 2015, and has held its current FCA authorisation since October 2015.
What do Credit Expert’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£14.3k (down £11.4k from −£2,914) and cash at bank of £1,435 (up £474 from £961).

Sources and links

The full report on Credit Expert Ltd

£19.99 · Instant PDF download

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