Fresh Start UK Debt Management Ltd

Reference number: 663122

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

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 freshstartltd.com first appeared online, and whether it can receive email
  • What kind of line 01482 217288 is
  • Who else gives the postcode HU1 1EN
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Other names (7)

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

  • Fresh Start UK Trading name
  • www.freshstartltd.com Trading name
  • www.freshstartltd.co.uk Trading name
  • Porterfield Financial Former trading name
  • www.iva-companies.com Former trading name
  • www.porterfieldfinancial.com Former trading name
  • www.porterfieldfinancial.co.uk Former trading name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (1)
  • 020 7126 8545
Fake email addresses (1)
  • info@porterfieldfh.com
Fake websites (1)
  • porterfieldfh.com
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
06855136
Company status
Active
Company type
Private limited company
Incorporated
23 March 2009 (17 years old)
Registered office
Fourth Floor, 48-50 Lowgate, Hull, HU1 1EN, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael John Billington Director May 1983 23 Mar 2021 6 other companies
Graydon Charles Butler Director May 1971 14 Jun 2022 11 other companies
Benjamin Daniel Arthur Director Apr 1984 24 Oct 2023 None
Jonathan Micheal Musgrave Director May 1980 24 Oct 2023 None

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
17
closed down
3
are FCA-registered
3

In the full report: all 17 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • All 13 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2026Full accountsNot audited

Net assets

£33.3k

−80% from £168k

Cash at bank

£93.1k

+62% from £57.3k

Owed within a year

£73.6k

−60% from £183k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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.

Accounts filed at Companies House for company 06855136. 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

Fresh Start UK Debt Management’s history from the FCA register and Companies House, newest first.

Key events (7) All events (36)

2022

29 April 2022

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2017

12 December 2017

  • Porterfield Financial Holdings Limited took control (75–100% of shares)

Companies House

4 December 2017

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

FCA register

11 August 2017

  • Invocas Group PLC (In Administration) gave up control

Companies House

2016

9 December 2016

  • Invocas Group PLC (In Administration) took control (75–100% of shares)

Companies House

2009

23 March 2009

  • Incorporated at Companies House

Companies House

In the full report: all 36 events

  • All 36 events in its history (7 shown here)
  • Every director appointment and resignation: 17
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Firms connected to Fresh Start UK Debt Management

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

past links
3

In the full report: all 0 connected firms, named

  • 3 past links through former directors
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Firms like Fresh Start UK Debt Management

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

In Hull

Hull and East Riding Citizens Advice Bureau LtdHullAuthorisedThe Hull Vineyard TrustHullAuthorised

Elsewhere in the UK

King's College LondonLondonAuthorisedUniversity of YorkYorkAuthorisedUniversity of LiverpoolLiverpoolAuthorisedLoughborough University Student Advice & Support ServiceLoughboroughAuthorised

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 Fresh Start UK Debt Management

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

  • 17 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 36 events in its history

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Frequently asked questions about this firm

Is Fresh Start UK Debt Management Ltd FCA authorised?
Yes, Fresh Start UK Debt Management Ltd (FRN 663122) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2017 and works as a debt advice or management. The FCA has placed no limits on its permissions.
What is Fresh Start UK Debt Management’s phone number and website?
The FCA register lists the phone number 01482 217288 and the website freshstartltd.com for Fresh Start UK Debt Management. If you were given different contact details, use these to check with the firm before going any further.
Is Fresh Start UK Debt Management a scam or clone?
Scammers have impersonated Fresh Start UK Debt Management: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Fresh Start UK Debt Management, shown on this page.
Is my money safe with Fresh Start UK Debt Management?
It is permitted to hold and control client money, which it must keep separate from its own. Protection depends on which product you hold and how Fresh Start UK Debt Management handles your money, so check the specific product before you commit. You can also refer complaints about Fresh Start UK Debt Management to the Financial Ombudsman Service, free of charge.
Who owns Fresh Start UK Debt Management?
Fresh Start UK Debt Management is owned by Porterfield Financial Holdings Limited, which holds 75–100% of shares, since 12 December 2017. Before that, it was controlled by Invocas Group PLC (In Administration).
Who runs Fresh Start UK Debt Management?
Companies House lists 4 directors of Fresh Start UK Debt Management: Michael John Billington, Graydon Charles Butler, Benjamin Daniel Arthur and Jonathan Micheal Musgrave.
How long has Fresh Start UK Debt Management been in business?
The company was formed on 23 March 2009, and has held its current FCA authorisation since December 2017.
What do Fresh Start UK Debt Management’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £33.3k (−80% from £168k) and cash at bank of £93.1k (+62% from £57.3k).
Does Fresh Start UK Debt Management use any other names?
It trades as Fresh Start UK, www.freshstartltd.com and www.freshstartltd.co.uk. It has previously used 4 other names, including Porterfield Financial, www.iva-companies.com and www.porterfieldfinancial.com.

Sources and links

The full report on Fresh Start UK Debt Management Ltd

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