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.

Pierre Guy
IRN PXG00346
- CF1 Director (AR) (27 Mar 2023 to 31 Jul 2025)
Rajver Singh Kang
IRN RXK00393
- CF1 Director (AR) (28 Jul 2023 to 10 Dec 2024)
Raymond Joseph Karle
IRN RXK00260
- CF1 Director (AR) (29 Mar 2022 to 6 May 2024)
Richard William Fowler
IRN RXF00266
- CF1 Director (AR) (22 May 2023 to 1 Feb 2024)
Richard William Jones
IRN RXJ00284
- CF1 Director (AR) (7 Feb 2024 to 1 May 2026)
Ross Stuart Matthews
IRN RSM01159
- CF1 Director (AR) (11 Nov 2024 to 25 Feb 2026)
Roy Haskell Burman
IRN RXB00828
- CF1 Director (AR) (4 Sep 2023 to 22 Mar 2024)
Scott McCann
IRN SXM00859
- CF1 Director (AR) (4 Dec 2021 to 3 Feb 2024)
Sean James Lennon
IRN SXL00539
- CF1 Director (AR) (21 Dec 2022 to 12 Mar 2024)
Sharon Harmer
IRN SXH01050
- CF1 Director (AR) (5 Dec 2023 to 4 Jun 2025)

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.