Credit Services Association Limited

Reference number: 456562

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Howden UK Brokers Limited Reference number: 307663 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Credit Services Association Limited (FRN 456562) introduces customers to Howden UK Brokers Limited (FRN 307663). Any regulated advice or arranging is done by the principal, not Credit Services Association.
  • Example: if Credit Services Association refers you to a financial adviser, the advice should come from the principal firm, not from Credit Services Association itself.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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 csa-uk.com first appeared online, and whether it can receive email
  • What kind of line 0191 217 0775 is
  • Who else gives the postcode NE13 9BA
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Other names (1)

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

  • Credit Services Association Ltd Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Howden UK Brokers Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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
00089614
Company status
Active
Company type
Private company limited by guarantee
Incorporated
24 July 1906 (120 years old)
Registered office
2 Esh Plaza Sir Bobby Robson Way, Great Park, Newcastle Upon Tyne, NE13 9BA
Nature of business
  • Activities of professional membership organisations (SIC 94120)

Directors and company secretaries

Name Role Born Appointed Other companies
Yvonne Jean Klimaytys Director Mar 1958 18 Jun 2014 7 other companies
Craig Andrew Hinchliffe Director Aug 1982 19 Mar 2020 19 other companies
Christopher Michael Leslie Director Jun 1972 23 Dec 2020 1 other company
Kathryn Mary Morgan Director Jan 1974 25 Feb 2021 6 other companies
Jane Peacock Director May 1960 17 Mar 2021 1 other company
Timothy David Kirk Director Mar 1969 28 Feb 2023 None
Samantha Barnard Director Mar 1974 27 Feb 2025 None
Desmond Gerard Hudson Director Oct 1955 27 Feb 2025 1 other company
Claire Louise Moore Director May 1978 27 Feb 2025 2 other companies
Jaime Andrew Nuwar-Graham Director Nov 1973 27 Feb 2025 1 other company
Stuart John Webb Director Mar 1973 27 Feb 2025 1 other company
Susan Bain Director Oct 1976 27 Feb 2025 1 other company
Daniela Ferrer Francisco Director Jan 1980 26 Feb 2026 1 other company
Samantha Danielle Reed Director Aug 1987 26 Feb 2026 1 other company

Other companies run by these 14 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
34
closed down
8
are FCA-registered
7

In the full report: all 34 companies, named

  • What each company does, and whether it is still trading
  • Which of these 14 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 7 on the FCA register
  • The 1 company these 14 directors run together
  • All 80 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Full accountsAudited

Total equity

£131k

+99% from £65.7k

Cash at bank

£830k

+68% from £495k

Owed within a year

£1.14m

+30% from £875k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2021 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 00089614. 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 Services Association’s history from the FCA register and Companies House, newest first.

Key events (3) All events (138)

2024

7 November 2024

  • Changed its registered name from "Credit Services Association Ltd"

FCA register

2006

29 August 2006

  • Became an introducer appointed representative

FCA register

1906

24 July 1906

  • Incorporated at Companies House

Companies House

In the full report: all 138 events

  • All 138 events in its history (3 shown here)
  • Every director appointment and resignation: 135
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Firms connected to Credit Services Association

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

connected firms
4
share a director
4
past links
4

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (4)
  • Who links each one: the named directors, with dates
  • 4 past links through former directors
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Firms like Credit Services Association

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

In Newcastle upon Tyne

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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 Services Association

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

  • 34 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 138 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Credit Services Association Limited FCA authorised?
Credit Services Association Limited (FRN 456562) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Credit Services Association?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Credit Services Association Limited (FRN 456562) introduces customers to Howden UK Brokers Limited (FRN 307663). Any regulated advice or arranging is done by the principal, not Credit Services Association. Example: if Credit Services Association refers you to a financial adviser, the advice should come from the principal firm, not from Credit Services Association itself. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Credit Services Association’s phone number and website?
The FCA register lists the phone number 0191 217 0775 and the website csa-uk.com for Credit Services Association. If you were given different contact details, use these to check with the firm before going any further.
Is Credit Services Association a scam or clone?
Credit Services Association 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 Services Association?
Protection works through Howden UK Brokers Limited, the principal firm responsible for Credit Services Association's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who runs Credit Services Association?
Companies House lists 14 directors of Credit Services Association: Yvonne Jean Klimaytys, Craig Andrew Hinchliffe, Christopher Michael Leslie, Kathryn Mary Morgan, Jane Peacock, Timothy David Kirk and 8 more.
How long has Credit Services Association been in business?
The company was formed on 24 July 1906.
What do Credit Services Association’s latest accounts show?
Its latest accounts, to 30 June 2025, show total equity of £131k (+99% from £65.7k) and cash at bank of £830k (+68% from £495k).
Does Credit Services Association use any other names?
It has previously used the name Credit Services Association Ltd.

Sources and links

The full report on Credit Services Association Limited

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