P&J Consumer Debt Services

Reference number: 714979

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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 pjcds.co.uk first appeared online, and whether it can receive email
  • What kind of line 01442 231400 is
  • Who else gives the postcode HP2 7ES
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Other names (2)

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

  • Kathy Fraser Associates Trading name
  • P&J Debt Collection Services 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 (2 permissions)
  • Debt-collecting
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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.

Key dates in its history

P&J Consumer Debt Services’s history from the FCA register and Companies House, newest first.

Key events (2) All events (6)

2016

22 February 2016

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

FCA register

In the full report: all 6 events

  • All 6 events in its history (2 shown here)
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Firms like P&J Consumer Debt Services

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

In Hemel Hempstead

Autotrader Leasing LimitedHemel HempsteadAuthorised

In the Hemel Hempstead (HP) postcode area

Credit Security LimitedAylesburyAuthorisedIdr Worldwide LimitedCheshamAuthorised

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 P&J Consumer Debt Services

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

  • 3 background checks on its contact details
  • All 6 events in its history

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Frequently asked questions about this firm

Is P&J Consumer Debt Services FCA authorised?
Yes, P&J Consumer Debt Services (FRN 714979) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a debt collector. The FCA has placed no limits on its permissions.
What is P&J Consumer Debt Services’ phone number and website?
The FCA register lists the phone number 01442 231400 and the website pjcds.co.uk for P&J Consumer Debt Services. If you were given different contact details, use these to check with the firm before going any further.
Is P&J Consumer Debt Services a scam or clone?
P&J Consumer Debt 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 P&J Consumer Debt Services?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how P&J Consumer Debt Services handles your money, so check the specific product before you commit. You can also refer complaints about P&J Consumer Debt Services to the Financial Ombudsman Service, free of charge.
Does P&J Consumer Debt Services use any other names?
It trades as Kathy Fraser Associates and P&J Debt Collection Services.

Sources and links

The full report on P&J Consumer Debt Services

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