Debt Talk CIC: FCA regulated?

Authorised by the FCA

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

Authorised for under a year
Complaints covered by the Ombudsman
No FCA actions
Active company since 2025

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

debttalk.org (opens in a new tab)
Phone number

07951 714140
Address

Debt Talk CIC, Pelican House, 144 Cambridge Heath Road, London, Tower Hamlets, E1 5QJ, United Kingdom

In the full report: 3 background checks

When debttalk.org first appeared online, and whether it can receive email
What kind of line 07951 714140 is
Who else gives the postcode E1 5QJ

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 (3 permissions)

Debt Adjusting
Debt-counselling
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: 16325856 (opens Companies House in a new tab)
Company status: Active
Company type: Private company limited by guarantee
Incorporated: 19 March 2025 (1 year old)
Registered office: 144 Cambridge Heath Road, London, E1 5QJ, England
Nature of business: Other information service activities not elsewhere classified (SIC 63990)
Educational support services (SIC 85600)
Activities of professional membership organisations (SIC 94120)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Ripon Shamsul Ray	Director	Oct 1978	19 Mar 2025	None
Bilckis Khanam	Director	Oct 1979	9 Apr 2025	3 other companies
Robert Broadley	Director	Oct 1975	6 Feb 2026	None
Yusuf Olow	Director	Mar 1979	2 Jul 2026	None
Monju Haque	Director	Dec 1980	9 Jul 2026	1 other company

Other companies run by these 5 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: 4
closed down: 1
still active: 3

In the full report: all 4 companies, named

What each company does, and whether it is still trading
Which of these 5 directors sit on each board, and since when
Any that went into liquidation or administration
All 6 people who have ever been directors, with their dates

Key dates in its history

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

Key events (4) All events (12)

2026

18 June 2026

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

FCA register

2025

19 March 2025

Incorporated at Companies House
Ripon Shamsul Ray became the majority owner (50–75% of shares)

Companies House

In the full report: all 12 events

All 12 events in its history (4 shown here)
Every director appointment and resignation: 7

Firms connected to Debt Talk CIC

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

connected firms: 2
share its postcode: 2

In the full report: all 2 connected firms, named

How each is linked: the same postcode (2)
Who links each one: the named directors, with dates

Firms like Debt Talk CIC

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

In London

King's College LondonLondonAuthorised University of the Arts LondonLondonAuthorised Royal British LegionLondonAuthorised Peabody TrustLondonAuthorised Origin Housing LimitedLondonAuthorised Metropolitan Housing Trust LtdLondonAuthorised

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 Talk CIC

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

4 other companies its directors have run, named
3 background checks on its contact details
All 12 events in its history
2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Debt Talk CIC FCA authorised?

Yes, Debt Talk CIC (FRN 1055063) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2026 and works as a debt advice or management. The FCA has placed no limits on its permissions.

What is Debt Talk CIC’s phone number and website?

The FCA register lists the phone number 07951 714140 and the website debttalk.org for Debt Talk CIC. If you were given different contact details, use these to check with the firm before going any further.

Is Debt Talk CIC a scam or clone?

Debt Talk CIC 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 Talk CIC?

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

Who owns Debt Talk CIC?

Companies House lists one person with significant control of Debt Talk CIC: Mr Ripon Shamsul Ray (50–75% of shares).

Who runs Debt Talk CIC?

Companies House lists 5 directors of Debt Talk CIC: Ripon Shamsul Ray, Bilckis Khanam, Robert Broadley, Yusuf Olow and Monju Haque.

How long has Debt Talk CIC been in business?

The company was formed on 19 March 2025, and has held its current FCA authorisation since June 2026.