Creditec Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 3 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2021
One of its directors is also a director of a firm that is no longer authorised

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.

Website

creditec.co.uk (opens in a new tab)
Phone number

01244 888880
Address

Creditec Ltd, The Steam Mill Business Centre, Steam Mill Street, Chester, Cheshire West And Chester, CH3 5AN, United Kingdom

In the full report: 3 background checks

When creditec.co.uk first appeared online, and whether it can receive email
What kind of line 01244 888880 is, and the other firm that gives it
Who else gives the postcode CH3 5AN

Other names (3)

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

Compare Credit Cards Trading name: A name it trades under now.
Real Rates Trading name: A name it trades under now.
iQ Former trading name: A name it used to trade under.

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 (2 permissions)

Credit Broking
Providing Credit Information Services

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: 13700425 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 25 October 2021 (4 years old)
Registered office: The Steam Mill Business Centre, Steam Mill Street, Chester, CH3 5AN, United Kingdom
Nature of business: Other information technology service activities (SIC 62090)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Adair Alexander Cameron	Director	May 1983	25 Oct 2021	3 other companies
Timothy Charles Graves Moss	Director	Sep 1972	25 Oct 2021	11 other companies
Josh Peter Rugen	Director	Feb 1994	25 Oct 2021	2 other companies
Paul Martin Wilson	Director	Apr 1980	25 Oct 2021	7 other companies

Other companies run by these 4 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: 13
closed down: 5
are FCA-registered: 3

In the full report: all 13 companies, named

What each company does, and whether it is still trading
Which of these 4 directors sit on each board, and since when
Any that went into liquidation or administration
The 3 on the FCA register, including one no longer authorised
The 7 companies these 4 directors run together

Key dates in its history

Creditec’s history from the FCA register and Companies House, newest first.

Key events (4) All events (15)

2022

1 December 2022

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

FCA register

2021

25 October 2021

Incorporated at Companies House
Comparitec Group Limited took control (75–100% of shares)

Companies House

In the full report: all 15 events

All 15 events in its history (4 shown here)
Every director appointment and resignation: 4

Firms connected to Creditec

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

connected firms: 2
no longer authorised: 1
share a director: 2

In the full report: all 2 connected firms, named

How each is linked: shared directors (2), the same phone number (1), the same postcode (2)
Who links each one: the named directors, with dates
1 past link through former directors

Firms like Creditec

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

In Chester

AJL Finance LimitedChesterAuthorised Capital Business Loans LimitedChesterAuthorised Dee Valley Finance LimitedChesterAuthorised Digitonomy LimitedChesterAuthorised Flux Funding LimitedChesterAuthorised Oakhurst Finance LimitedChesterAuthorised

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 Creditec

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

13 other companies its directors have run, named
3 background checks on its contact details
All 15 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Creditec Limited FCA authorised?

Yes, Creditec Limited (FRN 971164) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2022 and works as a credit broker. The FCA has placed no limits on its permissions.

What is Creditec’s phone number and website?

The FCA register lists the phone number 01244 888880 and the website creditec.co.uk for Creditec. 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 Creditec a scam or clone?

Creditec 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 Creditec?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Creditec handles your money, so check the specific product before you commit. You can also refer complaints about Creditec to the Financial Ombudsman Service, free of charge.

Who owns Creditec?

Creditec is owned by Comparitec Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 25 October 2021.

Who runs Creditec?

Companies House lists 4 directors of Creditec: Adair Alexander Cameron, Timothy Charles Graves Moss, Josh Peter Rugen and Paul Martin Wilson.

How long has Creditec been in business?

The company was formed on 25 October 2021, and has held its current FCA authorisation since December 2022.

Does Creditec use any other names?

It trades as Compare Credit Cards and Real Rates. It has previously used the name iQ.