EXPERIAN REFI OUTSOURCE SERVICES LIMITED

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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.
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 Collection
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”.

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

Amanda Dawn Sadler
IRN ADS01226
- CF1 Director (10 Sep 2015 to 25 Sep 2015)
Andrew John Kirk
IRN AJK01188
- CF1 Director (25 Jul 2017 to 29 Mar 2019)
Charlotte Obahiagbon
IRN CXW01741
- CF1 Director (14 Sep 2015 to 30 Jun 2016)
Cormac Dunne
IRN CXD00714
- SMF3 Executive Director (since 1 Apr 2026)
Dale Stringer
IRN DXS02306
- SMF16 Compliance Oversight (9 Dec 2019 to 8 Jan 2025)
- CF10 Compliance Oversight (25 Jul 2017 to 8 Dec 2019)
Eduardo Guimaraes Castro
IRN EXC00377
- SMF3 Executive Director (since 6 Mar 2025)
Helen Joy Emmett
IRN HXE00066
- SMF3 Executive Director (6 Mar 2025 to 1 Apr 2026)
Jacob John Ranson
IRN JXR77815
- SMF3 Executive Director (28 Oct 2024 to 1 Apr 2026)
- SMF1 Chief Executive (28 Oct 2024 to 1 Apr 2026)
Jill Sparks
IRN JXA02048
- SMF3 Executive Director (since 9 Dec 2019)
- CF1 Director (25 Jul 2017 to 8 Dec 2019)
Julia Mary Cattanach
IRN JMC01383
- SMF3 Executive Director (since 6 Mar 2025)

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.