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.

Upendra (Ben) Gandhi
IRN UXG00011
- CF1 Director (AR) (12 Oct 2022 to 16 Mar 2025)
Veerinder Singh Nazran
IRN VXN00054
- CF1 Director (AR) (5 Jul 2024 to 9 Sep 2025)
Wayne Caldecourt
IRN WXC01149
- CF1 Director (AR) (19 May 2021 to 7 Feb 2023)
William Abram
IRN WXA00088
- CF1 Director (AR) (27 Apr 2023 to 16 Aug 2024)
Zafir Aboobaker
IRN ZXA00052
- CF1 Director (AR) (1 Aug 2022 to 30 Nov 2024)
waqas Ahmed
IRN WXA00092
- CF1 Director (AR) (12 Feb 2024 to 13 Aug 2024)

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.