Experian Refi Solutions Limited

Reference number: 767995

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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 841 0888 is
  • Who else gives the postcode NG80 1ZZ
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Other names (2)

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

  • Paylink Solutions Limited Former name
  • PayLink Former trading name

FCA permissions and consumer protection

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
  • 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 (5 permissions)
  • 1. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
  • 3. Executing payment transactions (no credit line)
  • 4. Executing payment transactions (credit line)
  • 6. Money remittance.
  • 7. Payment initiation 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
10318423
Company status
Active
Company type
Private limited company
Incorporated
8 August 2016 (10 years old)
Registered office
The Sir John Peace Building Experian Way, Ng2 Business Park, Nottingham, NG80 1ZZ, United Kingdom
Nature of business
  • Other information technology service activities (SIC 62090)

Directors and company secretaries

Name Role Born Appointed Other companies
Jill Sparks Director Jan 1980 30 Nov 2016 3 other companies
Eduardo Guimaraes Castro Director Nov 1987 6 Mar 2025 1 other company
Julia Mary Cattanach Director Aug 1971 6 Mar 2025 21 other companies
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 one no longer authorised
  • The 5 companies these 4 directors run together
  • All 18 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (7) All events (42)

2026

19 February 2026

  • Changed its registered name from "Paylink Solutions Limited"

FCA register

2025

8 January 2025

  • Experian Limited took control (75–100% of shares)
  • Totemic (2014) Holdings Limited gave up control

Companies House

2018

18 May 2018

  • Became an authorised payment institution

FCA register

2017

8 December 2017

  • Regulated by the FCA from this date

FCA register

2016

8 August 2016

  • Incorporated at Companies House
  • Totemic (2014) Holdings Limited took control (75–100% of shares)

Companies House

In the full report: all 42 events

  • All 42 events in its history (7 shown here)
  • Every director appointment and resignation: 32
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Firms connected to Experian Refi Solutions

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

connected firms
2
share a director
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (2), 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 Solutions

Other firms of the same type (payment or money transfer firm), nearest first.

In Nottingham

Lanka Services LimitedNottinghamRegisteredNEST Management LimitedNottinghamAuthorisedExperian LimitedNottinghamAuthorisedLuxon Payments LimitedNottinghamAuthorisedMina Express LimitedNottinghamRegistered

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 Solutions

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 42 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 Solutions Limited FCA authorised?
Yes, Experian Refi Solutions Limited (FRN 767995) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2018 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is Experian Refi Solutions’ phone number and website?
The FCA register lists the phone number 0115 841 0888 and the website experian.co.uk for Experian Refi Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Experian Refi Solutions a scam or clone?
Experian Refi 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 Experian Refi Solutions?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Experian Refi Solutions to the Financial Ombudsman Service, free of charge.
Who owns Experian Refi Solutions?
Experian Refi Solutions is owned by Experian Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 8 January 2025. Before that, it was controlled by Totemic (2014) Holdings Limited.
Who runs Experian Refi Solutions?
Companies House lists 4 directors of Experian Refi Solutions: Jill Sparks, Eduardo Guimaraes Castro, Julia Mary Cattanach and Cormac Vincent Dunne.
How long has Experian Refi Solutions been in business?
The company was formed on 8 August 2016, and has held its current FCA authorisation since May 2018.
Does Experian Refi Solutions use any other names?
It has previously used 2 other names: Paylink Solutions Limited and PayLink.

Sources and links

The full report on Experian Refi Solutions Limited

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