Totemic Limited

Reference number: 681263

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Scammers have impersonated this firm. The FCA has published 2 warnings 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 payplan.com first appeared online, and whether it can receive email
  • What kind of line 01476 851007 is
  • Who else gives the postcode NG31 7LE
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Other names (3)

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

  • BudgetSmart Trading name
  • PayPlan Trading name
  • PayPlan Plus 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 (2)
  • 330 133 0538
  • 0333 880 5847
Fake email addresses (1)
  • info@payplan-advice.co.uk
Fake websites (2)
  • freepayplan.co.uk
  • payplan-advice.co.uk
The 2 FCA warnings 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 (4 permissions)
  • Debt Adjusting
  • Debt Administration
  • Debt-counselling
  • Providing Credit Information 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.

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
02789854
Company status
Active
Company type
Private limited company
Incorporated
15 February 1993 (33 years old)
Registered office
Kempton House Kempton Way, Dysart Road, Grantham, NG31 7LE, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
John Fairhurst Director May 1965 1 Sep 2002 1 other company
Rachel Elizabeth Duffey Director Apr 1978 4 Nov 2004 22 other companies
David Jackman Director Jun 1960 4 Aug 2014 13 other companies
Robert George Skinner Director Aug 1955 1 Oct 2018 5 other companies
Christopher John Thompson Director Oct 1975 22 Dec 2022 3 other companies
Peter Munro Director Oct 1982 13 Dec 2023 None
Halina Theresa Briggs Secretary Not published 4 Aug 2014 –

Other companies run by these 6 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
41
closed down
10
went insolvent
1

In the full report: all 41 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 7 on the FCA register, including one no longer authorised
  • The 3 companies these 6 directors run together
  • All 42 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Turnover

£26.3m

No earlier figure to compare

Profit before tax

£4.76m

No earlier figure to compare

Net assets

£11.9m

No earlier figure to compare

Cash at bank

£1.13m

No earlier figure to compare

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 02789854. 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

Totemic’s history from the FCA register and Companies House, newest first.

Key events (7) All events (92)

2019

6 June 2019

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2018

29 June 2018

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

Companies House

2016

15 September 2016

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

FCA register

30 June 2016

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

Companies House

1993

15 February 1993

  • Incorporated at Companies House

Companies House

In the full report: all 92 events

  • All 92 events in its history (7 shown here)
  • Every director appointment and resignation: 80
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Firms connected to Totemic

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

connected firms
2
share a director
1
share its postcode
1

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 6 past links through former directors
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Firms like Totemic

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

In the Nottingham (NG) postcode area

Experian Refi Outsource Services LimitedNottinghamAuthorisedWorldline IT Services UK LimitedNottinghamAuthorisedTDX Group LimitedNottinghamAuthorised

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 Totemic

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

  • 41 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 92 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Totemic Limited FCA authorised?
Yes, Totemic Limited (FRN 681263) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2016 and works as a debt collector. The FCA has placed no limits on its permissions.
What is Totemic’s phone number and website?
The FCA register lists the phone number 01476 851007 and the website payplan.com for Totemic. If you were given different contact details, use these to check with the firm before going any further.
Is Totemic a scam or clone?
Scammers have impersonated Totemic: the FCA has published 2 warnings about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Totemic, shown on this page.
Is my money safe with Totemic?
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 Totemic handles your money, so check the specific product before you commit. You can also refer complaints about Totemic to the Financial Ombudsman Service, free of charge.
Who owns Totemic?
Totemic is owned by Payplan Limited, which holds 75–100% of shares and 75–100% of votes, since 29 June 2018. Before that, it was controlled by Totemic (2014) Holdings Limited.
Who runs Totemic?
Companies House lists 6 directors of Totemic: John Fairhurst, Rachel Elizabeth Duffey, David Jackman, Robert George Skinner, Christopher John Thompson and Peter Munro.
How long has Totemic been in business?
The company was formed on 15 February 1993, and has held its current FCA authorisation since September 2016.
What do Totemic’s latest accounts show?
Its latest accounts, to 31 December 2025, show turnover of £26.3m (no earlier figure to compare) and profit before tax of £4.76m (no earlier figure to compare).
Does Totemic use any other names?
It trades as BudgetSmart, PayPlan and PayPlan Plus.

Sources and links

The full report on Totemic Limited

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