UK Debt Expert Limited

Reference number: 688071

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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 ukdebtexpert.co.uk first appeared online, and whether it can receive email
  • What kind of line 0141 565 1300 is, and the other firm that gives it
  • Who else gives the postcode G2 1RW
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Other names (21)

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

  • https://yourmoneyexpert.uk Trading name
  • scottishdebtadvisor.co.uk Trading name
  • www.theukdebtexpert.co.uk Trading name
  • www.uk-debtadvice.co.uk Trading name
  • Carrington Dean Limited Former name
  • Carrington Dean Ltd Former name
  • Simple Financial Solutions Limited Former name
  • www.cleanslate.co.uk Former trading name
  • www.debtadviceplan.co.uk Former trading name
  • www.debtadvisor.co.uk Former trading name
  • www.debt-arrangement-scheme.com Former trading name
  • www.help-my-debt.net Former trading name
  • www.iva-advice.co Former trading name
  • www.ivawizard.net Former trading name
  • www.scotlandstrustdeed.co.uk Former trading name
  • www.scottishtrustdeed.co.uk Former trading name
  • www.sequestration.net Former trading name
  • www.simplefs.net Former trading name
  • www.trust-deed-scotland.co.uk Former trading name
  • www.trustdeeds.net Former trading name
  • www.trust-deeds-scotland.net Former 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 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.

Companies House record

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

Company number
SC382881
Company status
Active
Company type
Private limited company
Incorporated
30 July 2010 (16 years old)
Registered office
4 West Regent Street, Glasgow, G2 1RW, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Pearse John Flynn Director Dec 1963 13 Sep 2017 5 other companies
Danielle Caitlin Flynn Director Apr 1990 2 Feb 2026 1 other company
Taylor Ross Flynn Director Jan 1993 2 Feb 2026 2 other companies
John Corcoran Director Oct 1976 2 Feb 2026 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
6
closed down
3
is FCA-registered
1

In the full report: all 6 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 one on the FCA register
  • The 1 company these 4 directors run together
  • All 9 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Abridged accountsNot audited

Net assets

£3.36m

+639% from £454k

Cash at bank

£6,396

No earlier figure to compare

Employees (average)

0

Same as 0

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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 SC382881. 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

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

Key events (9) All events (56)

2022

23 November 2022

  • Changed its registered name from "Carrington Dean Limited"

FCA register

2021

9 December 2021

  • Changed its registered name from "Carrington Dean Ltd"

FCA register

2017

13 September 2017

  • Board replaced: both directors left and 2 new directors took over

Companies House

23 March 2017

  • Changed its registered name from "Simple Financial Solutions Limited"

FCA register

2016

25 July 2016

  • Board replaced: its only director left and 2 new directors took over
  • Carrington Dean Group Ltd took control (75–100% of shares)

Companies House

24 February 2016

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

FCA register

2010

30 July 2010

  • Incorporated at Companies House

Companies House

In the full report: all 56 events

  • All 56 events in its history (9 shown here)
  • Every director appointment and resignation: 14
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Firms connected to UK Debt Expert

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

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1)
  • Who links it to this firm: the named directors, with dates
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Firms like UK Debt Expert

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

In Glasgow

AMI Financial Solutions LimitedGlasgowAuthorisedBridgeton Citizens Advice BureauGlasgowAuthorisedBridgeton Citizens Advice Bureau SCIOGlasgowAuthorisedCarrington Dean Group LimitedGlasgowAuthorisedCassiltoun Housing AssociationGlasgowAuthorisedCastlemilk Citizens Advice BureauGlasgowAuthorised

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 UK Debt Expert

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 56 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is UK Debt Expert Limited FCA authorised?
Yes, UK Debt Expert Limited (FRN 688071) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a debt advice or management. The FCA has placed no limits on its permissions.
What is UK Debt Expert’s phone number and website?
The FCA register lists the phone number 0141 565 1300 and the website ukdebtexpert.co.uk for UK Debt Expert. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is UK Debt Expert a scam or clone?
UK Debt Expert 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 UK Debt Expert?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how UK Debt Expert handles your money, so check the specific product before you commit. You can also refer complaints about UK Debt Expert to the Financial Ombudsman Service, free of charge.
Who owns UK Debt Expert?
UK Debt Expert is owned by Carrington Dean Group Ltd, which holds 75–100% of shares, since 25 July 2016.
Who runs UK Debt Expert?
Companies House lists 4 directors of UK Debt Expert: Pearse John Flynn, Danielle Caitlin Flynn, Taylor Ross Flynn and John Corcoran.
How long has UK Debt Expert been in business?
The company was formed on 30 July 2010, and has held its current FCA authorisation since February 2016.
What do UK Debt Expert’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £3.36m (+639% from £454k) and cash at bank of £6,396 (no earlier figure to compare).
Does UK Debt Expert use any other names?
It trades as https://yourmoneyexpert.uk, scottishdebtadvisor.co.uk, www.theukdebtexpert.co.uk and www.uk-debtadvice.co.uk. It has previously used 17 other names, including Carrington Dean Limited, Carrington Dean Ltd and Simple Financial Solutions Limited.

Sources and links

The full report on UK Debt Expert Limited

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