ACI-UK LIMITED

Reference number: 708400

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Also trades as
  • ACI

Company details

From the company's Companies House record.

Company number
03775287
Company status
Active
Company type
Private limited company
Incorporated
21 May 1999 (27 years old)
Registered office
Unit 10 Whitehills Drive, Whitehills Business Park, Blackpool, Lancashire, FY4 5LW, England
Nature of business
  • Activities of collection agencies (SIC 82911)

Current directors and secretaries

Name Role Born Appointed
Craig Andrew Hinchliffe Director Aug 1982 26 Jan 2018
Simon Peter Unsworth Director Dec 1975 26 Jan 2018
Andrew Bartle Director Apr 1969 1 Apr 2021
Gary James Edwards Director May 1958 1 Apr 2021
Max Houghton Director Apr 1980 1 Apr 2021
Mark Samuel Pickup Director Sep 1989 24 Oct 2022

Activities and protection

What they can do, and how you are protected

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Show FCA detail (5 permissions)
  • Debt Administration
  • Debt-collecting
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising or having the right to exercise the lender's rights and duties in relation to high-cost short-term credit
  • Exercising or having the right to exercise the lender's rights and duties under a regulated home credit loan agreement

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

What customers have complained about

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Asset Collections and Investigations Limited

Names it no longer trades under

This firm has retired 3 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • ACI Collections
  • Reconnect
  • Reconnect UK

Complaints record

In January–June 2025, the Financial Ombudsman Service received 47 new complaints about this firm, and upheld 41% of the ones it decided.

That is above the 31% median for the firms the Ombudsman reports on. This firm receives few enough complaints that the rate moves sharply on a single case, so treat the comparison loosely.

  • Banking and credit 47

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

Is ACI-UK LIMITED FCA authorised?
Yes, ACI-UK LIMITED (FRN 708400) is authorised by the FCA to carry out regulated activities.
Is my money safe with ACI-UK?
Protection depends on which product you hold and how ACI-UK handles your money, so check the specific product before you commit. You can also refer complaints about ACI-UK to the Financial Ombudsman Service, free of charge.
Is ACI-UK a scam or clone?
ACI-UK is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is ACI-UK's Firm Reference Number (FRN)?
ACI-UK's FRN is 708400. You can verify it on the FCA register.