Scott & Mears Credit Services Limited

Reference number: 668815

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Authorised, but in an insolvency process

This firm is under the control of insolvency practitioners and may have stopped taking on new business. If you are or were a customer, deal with the appointed office holders rather than the firm.

What the FCA says

ATTENTION - Firm in an insolvency process

This firm is in an insolvency process. It is under the control of the appointed insolvency office holder(s) and may have stopped taking on new business. It has to continue to meet our standards in line with its regulatory status, including when dealing with its customers. If you are/were a customer check how this affects you with the firm or the appointed insolvency office holder(s).

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.

  • No website on the FCA register

  • Phone number

    0113 209 1040

  • Address

    c/o Julian Pitts and Louise Longley of Begbies Traynor (Central) LLP, 340 Deansgate, Manchester, M3 4LY, United Kingdom

In the full report: 2 background checks

  • What kind of line 0113 209 1040 is
  • Who else gives the postcode M3 4LY
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Other names (2)

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

  • Saifresolve Trading name
  • Scott & Mears Trading name

Past FCA permissions and consumer protection

  • In an insolvency process
    Money the firm held is returned through the appointed office holders, which takes time and can fall short. The FSCS covers eligible claims up to its limits, and the Ombudsman can still look at a complaint.
Show FCA detail (1 permission)
  • Debt-collecting

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.

Concerns on the company record

  • Companies House records this company in administration, but it is still authorised on the FCA register.
  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
  • This company has insolvency history on record.
Company number
05633041
Company status
Administration
Company type
Private limited company
Incorporated
23 November 2005 (20 years old)
Registered office
Floor 2 10 Wellington Place, Leeds, West Yorkshire, LS1 4AP
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher Baddeley Director Nov 1979 25 Apr 2014 None
Jeannette Marie Kirton Director Jun 1953 14 Jan 2020 4 other companies

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 companies
4
still active
4

In the full report: all 4 companies, 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 9 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2024Micro-entity accountsNot audited

Net assets

−£142k

Up £25.4k from −£167k

Employees (average)

14

Same as 14

Owed within a year

£747k

+56% from £478k

Its next accounts are overdue at Companies House.

Net assets are negative: on its last balance sheet the company owed £142k more than it owned.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2024
  • 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 05633041. 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

Scott & Mears Credit Services’s history from the FCA register and Companies House, newest first.

Key events (6) All events (23)

2020

14 January 2020

  • Merrivale Special Projects (2019) Limited took control (75–100% of shares)

Companies House

2019

29 December 2019

  • Christine Joy Baddeley stopped being a part-owner

Companies House

2016

6 April 2016

  • Christine Joy Baddeley became a part-owner (25–50% of shares)

Companies House

2015

1 December 2015

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

FCA register

2005

23 November 2005

  • Incorporated at Companies House

Companies House

In the full report: all 23 events

  • All 23 events in its history (6 shown here)
  • Every director appointment and resignation: 14
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Firms connected to Scott & Mears Credit Services

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Scott & Mears Credit Services

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

In Manchester

Etika Finance UK LimitedManchesterAuthorisedArrow Global Massey LimitedManchesterAuthorisedLegate Group LimitedManchesterAuthorised

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 Scott & Mears Credit Services

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

  • 4 other companies its directors have run, named
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 23 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Scott & Mears Credit Services Limited FCA authorised?
Yes, Scott & Mears Credit Services Limited (FRN 668815) is authorised by the FCA to carry out regulated activities. It is also in an insolvency process, under the control of insolvency practitioners, so deal with the appointed office holders rather than the firm. It has held its current authorisation since December 2015 and works as a debt collector. The FCA has placed no limits on its permissions.
What is Scott & Mears Credit Services’ phone number?
The FCA register lists the phone number 0113 209 1040 for Scott & Mears Credit Services. If you were given different contact details, use these to check with the firm before going any further.
Is Scott & Mears Credit Services a scam or clone?
Scott & Mears Credit 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 Scott & Mears Credit Services?
Scott & Mears Credit Services is under the control of insolvency practitioners, so money it held is returned through the appointed office holders rather than by the firm. That takes time and can fall short. Where money is missing, the FSCS covers eligible claims up to its limits, and the Financial Ombudsman Service can still consider a complaint.
Who owns Scott & Mears Credit Services?
Scott & Mears Credit Services is owned by Merrivale Special Projects (2019) Limited, which holds 75–100% of shares, 75–100% of votes, can appoint and remove the board, significant influence or control and held through a firm, since 14 January 2020. Before that, it was controlled by Mrs Christine Joy Baddeley.
Who runs Scott & Mears Credit Services?
Companies House lists 2 directors of Scott & Mears Credit Services: Christopher Baddeley and Jeannette Marie Kirton.
How long has Scott & Mears Credit Services been in business?
The company was formed on 23 November 2005. Companies House now lists it as administration.
What do Scott & Mears Credit Services’ latest accounts show?
Its latest accounts, to 30 September 2024, show net assets of −£142k (up £25.4k from −£167k). Its accounts are overdue at Companies House.
Does Scott & Mears Credit Services use any other names?
It trades as Saifresolve and Scott & Mears.

Sources and links

The full report on Scott & Mears Credit Services Limited

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