Experian Refi Outsource Services Limited

Reference number: 680143

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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 experian.co.uk first appeared online, and whether it can receive email
  • What kind of line 0115 941 0888 is, and the other firm that gives it
  • Who else gives the postcode NG80 1ZZ
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Other names (7)

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

  • Paylink Outsource Services Limited Former name
  • Totemic Managed Services Limited Former name
  • BudgetWise Former trading name
  • Luna Finance Former trading name
  • PayLink Former trading name
  • www.lunafinance.co.uk Former trading name
  • www.managedfinance.co.uk 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 (4 permissions)
  • Debt Adjusting
  • Debt Administration
  • Debt-collecting
  • Debt-counselling

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
03783911
Company status
Active
Company type
Private limited company
Incorporated
8 June 1999 (27 years old)
Registered office
The Sir John Peace Building Experian Way, Ng2 Business Park, Nottingham, NG80 1ZZ, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jill Sparks Director Jan 1980 26 Jul 2017 3 other companies
Julia Mary Cattanach Director Aug 1971 6 Mar 2025 21 other companies
Eduardo Guimaraes Castro Director Nov 1987 6 Mar 2025 1 other company
Cormac Vincent Dunne Director Jul 1973 1 Apr 2026 6 other companies
Sarah Henry Secretary Not published 24 Oct 2025 –

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
24
closed down
11
went insolvent
2

In the full report: all 24 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The 4 on the FCA register, including 2 no longer authorised
  • The 5 companies these 4 directors run together
  • All 20 people who have ever been directors, with their dates
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Key dates in its history

Experian Refi Outsource Services’s history from the FCA register and Companies House, newest first.

Key events (9) All events (57)

2026

19 February 2026

  • Changed its registered name from "Paylink Outsource Services Limited"

FCA register

2020

29 April 2020

  • Changed its registered name from "Totemic Managed Services Limited"

FCA register

2018

29 June 2018

  • Experian Refi Solutions Limited took control (75–100% of shares)
  • Totemic Lending Limited gave up control

Companies House

2016

30 June 2016

  • Totemic Lending Limited took control (75–100% of shares)

Companies House

2015

10 September 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

1999

8 June 1999

  • Incorporated at Companies House

Companies House

In the full report: all 57 events

  • All 57 events in its history (9 shown here)
  • Every director appointment and resignation: 36
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Firms connected to Experian Refi Outsource Services

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

connected firms
2
share a director
2
share its phone number
1

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
  • 2 past links through former directors
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Firms like Experian Refi Outsource Services

Other firms of the same type (debt collector), nearest first.

In Nottingham

Worldline IT Services UK LimitedNottinghamAuthorisedTDX Group LimitedNottinghamAuthorised

In the Nottingham (NG) postcode area

Totemic LimitedGranthamAuthorised

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 Experian Refi Outsource Services

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

  • 24 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 57 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Experian Refi Outsource Services Limited FCA authorised?
Yes, Experian Refi Outsource Services Limited (FRN 680143) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2015 and works as a debt collector. The FCA has placed a limit on what it may do.
What is Experian Refi Outsource Services’ phone number and website?
The FCA register lists the phone number 0115 941 0888 and the website experian.co.uk for Experian Refi Outsource Services. 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 Experian Refi Outsource Services a scam or clone?
Experian Refi Outsource Services 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 Experian Refi Outsource Services?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Experian Refi Outsource Services handles your money, so check the specific product before you commit. You can also refer complaints about Experian Refi Outsource Services to the Financial Ombudsman Service, free of charge.
Who owns Experian Refi Outsource Services?
Experian Refi Outsource Services is owned by Experian Refi Solutions Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 29 June 2018. Before that, it was controlled by Totemic Lending Limited.
Who runs Experian Refi Outsource Services?
Companies House lists 4 directors of Experian Refi Outsource Services: Jill Sparks, Julia Mary Cattanach, Eduardo Guimaraes Castro and Cormac Vincent Dunne.
How long has Experian Refi Outsource Services been in business?
The company was formed on 8 June 1999, and has held its current FCA authorisation since September 2015.
Does Experian Refi Outsource Services use any other names?
It has previously used 7 other names, including Paylink Outsource Services Limited, Totemic Managed Services Limited and BudgetWise.

Sources and links

The full report on Experian Refi Outsource Services Limited

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