OPTIMUM COMMERCIAL SOLUTIONS LTD

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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.
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 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.

Orlagh Therese Hallett
IRN OXH00017
- CF4 Partner (AR) (since 16 May 2025)
Paul Alan Bass
IRN PAB01354
- CF1 Director (AR) (since 16 Jan 2025)
Paul David Spooner
IRN PDS01203
- SMF3 Executive Director (since 9 Dec 2019)
- CF1 Director (7 Nov 2018 to 8 Dec 2019)
Paul Douglas Wood
IRN PDW01087
- CF1 Director (AR) (since 20 Oct 2025)
Paul Naylor
IRN PXN23498
- SMF16 Compliance Oversight (since 11 Mar 2024)
- SMF17 Money Laundering Reporting Officer (MLRO) (since 11 Mar 2024)
- SMF3 Executive Director (since 4 Feb 2020)
- CF1 Director (AR) (23 Jun 2024 to 20 Feb 2025)
Paul Thomas Oliver
IRN PXO00039
- CF1 Director (AR) (since 6 Nov 2024)
Peter McFarlane
IRN PXM00329
- CF1 Director (AR) (since 11 Nov 2022)
Philip Bell
IRN PXB00202
- CF1 Director (AR) (since 22 Mar 2022)
Philip McGuire
IRN PXM02024
- CF1 Director (AR) (14 Jun 2024 to 6 Feb 2026)
Rachael Cashin
IRN RXC02310
- CF1 Director (AR) (since 27 Feb 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.