Debt Concerns Limited

Reference number: 705722

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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 debtconcerns.co.uk first appeared online, and whether it can receive email
  • What kind of line 07971 115070 is
  • Who else gives the postcode SK14 1AH
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Other names (2)

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

  • Spencer Kirk Ltd Former name
  • Debt Help Experts Former trading name

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)
  • Debt Adjusting
  • Debt-counselling

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
09423945
Company status
Active
Company type
Private limited company
Incorporated
5 February 2015 (11 years old)
Registered office
Onward Chambers, 34 Market Street, Hyde, SK14 1AH, England
Nature of business
  • Other service activities not elsewhere classified (SIC 96090)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew Colin Bowker Director Jul 1961 6 May 2018 None
David Hooton Director Nov 1972 6 May 2018 None
Gillian Wrigley Director Sep 1967 6 May 2018 None

In the full report: every company its directors have run

  • Confirmation that these 3 directors run no other company
  • All 5 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Abridged accountsNot audited

Net assets

£17.1k

+3.7% from £16.4k

Cash at bank

£60

Down £253 from £313

Employees (average)

0

Same as 0

Owed within a year

£11.5k

−23% from £15.0k

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 09423945. 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

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

Key events (9) All events (19)

2019

16 September 2019

  • Allan Daniel Spencer stopped being a part-owner
  • David Hooton became a part-owner (25–50% of shares)
  • Gillian Wrigley became a part-owner (25–50% of shares)
  • Matthew Colin Bowker became a part-owner (25–50% of shares)

Companies House

2018

29 May 2018

  • Changed its registered name from "Spencer Kirk Ltd"

FCA register

4 April 2018

  • Allan Daniel Spencer became a part-owner (25–50% of shares)

Companies House

2016

18 March 2016

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

FCA register

2015

5 February 2015

  • Incorporated at Companies House

Companies House

In the full report: all 19 events

  • All 19 events in its history (9 shown here)
  • Every director appointment and resignation: 7
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Firms like Debt Concerns

Other firms of the same type (debt advice or management), nearest first.

In the Stockport (SK) postcode area

GW Financial Solutions (UK) LimitedStockportAuthorisedMoney Advisory Centre LimitedCheadleAuthorisedThornton Shepherd Associates LimitedStockportAuthorisedCitizens Advice Cheshire EastMacclesfieldAuthorisedDerbyshire Districts Citizens Advice BureauBuxtonAuthorised

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 Debt Concerns

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 19 events in its history

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Frequently asked questions about this firm

Is Debt Concerns Limited FCA authorised?
Yes, Debt Concerns Limited (FRN 705722) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2016 and works as a debt advice or management. The FCA has placed no limits on its permissions.
What is Debt Concerns’ phone number and website?
The FCA register lists the phone number 07971 115070 and the website debtconcerns.co.uk for Debt Concerns. If you were given different contact details, use these to check with the firm before going any further.
Is Debt Concerns a scam or clone?
Debt Concerns 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 Debt Concerns?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Debt Concerns handles your money, so check the specific product before you commit. You can also refer complaints about Debt Concerns to the Financial Ombudsman Service, free of charge.
Who owns Debt Concerns?
Companies House lists 3 people with significant control of Debt Concerns: Mr Matthew Colin Bowker (25–50% of shares), Mr David Hooton (25–50% of shares) and Ms Gillian Wrigley (25–50% of shares). Before that, it was controlled by Mr Allan Daniel Spencer.
Who runs Debt Concerns?
Companies House lists 3 directors of Debt Concerns: Matthew Colin Bowker, David Hooton and Gillian Wrigley.
How long has Debt Concerns been in business?
The company was formed on 5 February 2015, and has held its current FCA authorisation since March 2016.
What do Debt Concerns’ latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £17.1k (+3.7% from £16.4k) and cash at bank of £60 (down £253 from £313).
Does Debt Concerns use any other names?
It has previously used 2 other names: Spencer Kirk Ltd and Debt Help Experts.

Sources and links

The full report on Debt Concerns Limited

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