Direct card solutions Limited

Reference number: 834172

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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 yorkshirepayments.com first appeared online, and whether it can receive email
  • What kind of line 01422 323785 is
  • Who else gives the postcode HD6 1JN
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Other names (1)

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

  • Yorkshire Payments 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 (3 permissions)
  • Credit Broking
  • 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
08484768
Company status
Active
Company type
Private limited company
Incorporated
11 April 2013 (13 years old)
Registered office
22 West Park Street, Brighouse, HD6 1DU, England
Nature of business
  • Activities of credit bureaus (SIC 82912)

Directors and company secretaries

Name Role Born Appointed Other companies
Victoria Suzanne Oakley Director May 1977 1 Jul 2017 None
Julie Dawn Howard Director Jul 1977 24 Jan 2024 1 other company

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 company
1
still active
1

In the full report: all 1 company, 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
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£353k

−9.8% from £392k

Cash at bank

£2,310

−95% from £50.8k

Employees (average)

18

−10% from 20

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 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 08484768. 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

Direct card solutions’s history from the FCA register and Companies House, newest first.

Key events (13) All events (28)

2025

5 December 2025

  • James Howard stopped being the majority owner
  • Julie Dawn Howard became the majority owner (50–75% of shares)

Companies House

2022

3 February 2022

  • Gareth Paul Henderson stopped being a part-owner

Companies House

2021

7 October 2021

  • Direct Card Solutions Holdings Ltd became a part-owner (25–50% of shares)

Companies House

2019

6 March 2019

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

FCA register

2018

9 October 2018

  • Direct Card Solutions Limited stopped being a part-owner
  • Gareth Paul Henderson became a part-owner (25–50% of shares)

Companies House

3 September 2018

  • Direct Card Solutions Limited became a part-owner (25–50% of shares)
  • Mark Bramley Prince stopped being a part-owner

Companies House

2016

11 August 2016

  • Mark Bramley Prince became a part-owner (25–50% of shares)

Companies House

6 April 2016

  • James Howard became the majority owner (50–75% of shares)

Companies House

2013

11 April 2013

  • Incorporated at Companies House

Companies House

In the full report: all 28 events

  • All 28 events in its history (13 shown here)
  • Every director appointment and resignation: 12
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Firms connected to Direct card solutions

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Direct card solutions

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

In Brighouse

Exploria LtdBrighouseAppointed representativeHarun HussainBrighouseAppointed representativeAbzorb Systems LtdBrighouseAuthorisedSpark Energy UK LtdBrighouseAppointed representative

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 Direct card solutions

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 28 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Direct card solutions Limited FCA authorised?
Yes, Direct card solutions Limited (FRN 834172) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2019 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Direct card solutions’ phone number and website?
The FCA register lists the phone number 01422 323785 and the website yorkshirepayments.com for Direct card solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Direct card solutions a scam or clone?
Direct card solutions 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 Direct card solutions?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Direct card solutions handles your money, so check the specific product before you commit. You can also refer complaints about Direct card solutions to the Financial Ombudsman Service, free of charge.
Who owns Direct card solutions?
Companies House lists 2 people with significant control of Direct card solutions: Mrs Julie Dawn Howard (50–75% of shares) and Direct Card Solutions Holdings Ltd (25–50% of shares). Before that, it was controlled by Direct Card Solutions Limited, Mr James Howard and Mr Mark Bramley Prince.
Who runs Direct card solutions?
Companies House lists 2 directors of Direct card solutions: Victoria Suzanne Oakley and Julie Dawn Howard.
How long has Direct card solutions been in business?
The company was formed on 11 April 2013, and has held its current FCA authorisation since March 2019.
What do Direct card solutions’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £353k (−9.8% from £392k) and cash at bank of £2,310 (−95% from £50.8k).
Does Direct card solutions use any other names?
It trades as Yorkshire Payments.

Sources and links

The full report on Direct card solutions Limited

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