Western Isles Citizens Advice Service: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 12 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2004
Accounts filed up to 31 March 2026

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.

Website

wicas.uk (opens in a new tab)
Phone number

01851 705727
Address

41-43 Westview Terrace, Stornoway, Western Isles, HS1 2HP, United Kingdom

In the full report: 3 background checks

When wicas.uk first appeared online, and whether it can receive email
What kind of line 01851 705727 is
Who else gives the postcode HS1 2HP

The firm, by virtue of its constitution or any enactment, must be:(i) required (after payment of outgoings) to apply the whole of its income and any capital it expends for charitable or public purposes, and (ii) prohibited from directly or indirectly distributing amongst its members any part of its assets (otherwise than for charitable or public purposes); And the firm must not have any associate (other than a not-for profit debt advice body) which carries on debt adjusting or debt counselling or providing credit information services.)

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 (3 permissions)

Debt Adjusting
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.

Companies House record

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

Company number: SC270038 (opens Companies House in a new tab)
Company status: Active
Company type: Private company limited by guarantee
Incorporated: 30 June 2004 (22 years old)
Registered office: Lewis Citizens Advice Bureau 41 - 43, Westview Terrace, Stornoway, Isle Of Lewis, HS1 2HP, Scotland
Nature of business: Other information service activities not elsewhere classified (SIC 63990)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Erica Katherine Geddes	Director	May 1982	18 Jun 2021	None
Murdo Maclean	Director	Apr 1965	8 Jul 2021	None
Fiona Margaret Smith Macleod	Director	Jun 1959	9 Dec 2021	2 other companies
Dez Cross	Director	Jul 1966	31 Aug 2023	None
Susan Ann Macaulay	Director	Mar 1972	31 Aug 2023	None
Marie Patricia Campbell	Director	Nov 1948	2 Oct 2023	None
Peadar Ingvald Godhavn Smith	Director	Nov 1989	2 Oct 2023	None

Other companies run by these 7 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: 2
still active: 2

In the full report: all 2 companies, named

What each company does, and whether it is still trading
Which of these 7 directors sit on each board, and since when
Any that went into liquidation or administration
All 49 people who have ever been directors, with their dates

Filed accounts and finances

Year to 31 March 2026Full accountsAudited

Net assets

£467k

+46% from £320k

Cash at bank

£370k

+71% from £217k

Employees (average)

19

Same as 19

Owed within a year

£8,369

−51% from £16.9k

Assets and liabilities

In the full report: all 5 years of accounts

Every year from 2020 to 2026
The chart, over every year
Every filed figure, year by year

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 SC270038. 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

Western Isles Citizens Advice Service’s history from the FCA register and Companies House, newest first.

Key events (4) All events (100)

2014

1 April 2014

Regulated by the FCA from this date
FCA imposed a requirement (Not for profit firm)
Became authorised by the FCA

FCA register

2004

30 June 2004

Incorporated at Companies House

Companies House

In the full report: all 100 events

All 100 events in its history (4 shown here)
Every director appointment and resignation: 93

Firms like Western Isles Citizens Advice Service

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

Elsewhere in the UK

King's College LondonLondonAuthorised University of YorkYorkAuthorised University of LiverpoolLiverpoolAuthorised Loughborough University Student Advice & Support ServiceLoughboroughAuthorised University of the Arts LondonLondonAuthorised Age UK South CumbriaKendalAuthorised

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 Western Isles Citizens Advice Service

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

2 other companies its directors have run, named
3 background checks on its contact details
5 years of accounts, charted
All 100 events in its history

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Frequently asked questions about this firm

Is Western Isles Citizens Advice Service FCA authorised?

Yes, Western Isles Citizens Advice Service (FRN 617486) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2014 and works as a debt advice or management. The FCA has placed no limits on its permissions.

What is Western Isles Citizens Advice Service’s phone number and website?

The FCA register lists the phone number 01851 705727 and the website wicas.uk for Western Isles Citizens Advice Service. If you were given different contact details, use these to check with the firm before going any further.

Is Western Isles Citizens Advice Service a scam or clone?

Western Isles Citizens Advice Service 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 Western Isles Citizens Advice Service?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Western Isles Citizens Advice Service handles your money, so check the specific product before you commit. You can also refer complaints about Western Isles Citizens Advice Service to the Financial Ombudsman Service, free of charge.

Who runs Western Isles Citizens Advice Service?

Companies House lists 7 directors of Western Isles Citizens Advice Service: Erica Katherine Geddes, Murdo Maclean, Fiona Margaret Smith Macleod, Dez Cross, Susan Ann Macaulay, Marie Patricia Campbell and 1 more.

How long has Western Isles Citizens Advice Service been in business?

The company was formed on 30 June 2004, and has held its current FCA authorisation since April 2014.

What do Western Isles Citizens Advice Service’s latest accounts show?

Its latest accounts, to 31 March 2026, show net assets of £467k (+46% from £320k) and cash at bank of £370k (+71% from £217k).