Andrew Smith

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Addresses

The contact details this firm has registered with the FCA.

The regulated activities the FCA has granted this firm permission to carry out.

Authorised to Operate
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- · The firm can only agree to carry on the regulated activities specified in this Notice.
Insurance Admin

For Retail (Non-Investment Insurance), Non-investment insurance contracts
Credit Brokering
Debt Negotiation
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- · Limited to debt adjusting excluding the conclusion or administration of debt management plans. In this limitation “debt management plans” is defined as: “a non-statutory agreement between a customer and one or more of the customer's lenders the aim of which is to discharge or liquidate the customer's debts, by making regular payments to a third party which administers the plan and distributes the money to the lenders”.
Debt Plan Admin
Debt Advice
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- · Limited to debt counselling excluding giving advice about debt management plans. In this limitation “debt management plans” is defined as: “a non-statutory agreement between a customer and one or more of the customer's lenders the aim of which is to discharge or liquidate the customer's debts, by making regular payments to a third party which administers the plan and distributes the money to the lenders”.
Consumer Hire
Consumer Hire Servicing

Senior staff personally approved by the FCA to hold their roles here.

Adam James Millard
IRN AXM02697
- CF1 Director (AR) (7 Aug 2023 to 23 Oct 2024)
Affan Saghir
IRN AXS00849
- CF1 Director (AR) (17 Jul 2025 to 12 Dec 2025)
Alan Howell
IRN AXH02359
- CF1 Director (AR) (since 1 Mar 2021)
Alastair Houston
IRN AXH00248
- CF1 Director (AR) (1 Feb 2021 to 22 Aug 2022)
Alexander Christian Thoemmes
IRN AXT00569
- CF1 Director (AR) (1 Sep 2023 to 24 Sep 2024)
Ameeta Singh
IRN AXS05093
- CF1 Director (AR) (16 Apr 2024 to 12 Nov 2025)
Amritpal Singh Jandu
IRN AXJ19002
- CF1 Director (AR) (since 27 Aug 2021)
Andrew Campbell
IRN AXC02041
- CF1 Director (AR) (since 2 Dec 2024)
Andrew Smith
IRN AXS04626
- SMF16 Compliance Oversight (9 Dec 2019 to 10 Dec 2020)
- SMF17 Money Laundering Reporting Officer (MLRO) (9 Dec 2019 to 10 Dec 2020)
- SMF29 Limited scope function (limited scope SMCR firms only) (9 Dec 2019 to 10 Dec 2020)
- CF8 Apportionment and Oversight (25 Jan 2019 to 8 Dec 2019)
- CF10 Compliance Oversight (25 Jan 2019 to 8 Dec 2019)
- CF11 Money Laundering Reporting (25 Jan 2019 to 8 Dec 2019)
Andrew William Walmsley
IRN AWW01060
- CF1 Director (AR) (14 Sep 2022 to 8 Aug 2023)

Smaller firms operating under this firm's FCA authorisation.

Updates to this firm's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.