EXPERIAN REFI OUTSOURCE SERVICES LIMITED

Reference number: 680143

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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.

Company details

From the company's Companies House record.

Company number
03783911
Company status
Active
Company type
Private limited company
Incorporated
8 June 1999 (27 years old)
Registered office
The Sir John Peace Building Experian Way, Ng2 Business Park, Nottingham, NG80 1ZZ, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Jill Sparks Director Jan 1980 26 Jul 2017
Julia Mary Cattanach Director Aug 1971 6 Mar 2025
Eduardo Guimaraes Castro Director Nov 1987 6 Mar 2025
Cormac Vincent Dunne Director Jul 1973 1 Apr 2026
Sarah Henry Secretary Not published 24 Oct 2025

Check on the FCA register → Report a scam →

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 (4 permissions)
  • Debt Adjusting
  • Debt Administration
  • Debt-collecting
  • Debt-counselling

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Previously registered as

The FCA register holds 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Paylink Outsource Services Limited
  • Totemic Managed Services Limited

Names it no longer trades under

This firm has retired 5 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
  • BudgetWise
  • Luna Finance
  • PayLink
  • www.lunafinance.co.uk
  • www.managedfinance.co.uk

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Common questions

Frequently asked questions

Is EXPERIAN REFI OUTSOURCE SERVICES LIMITED FCA authorised?
Yes, EXPERIAN REFI OUTSOURCE SERVICES LIMITED (FRN 680143) is authorised by the FCA to carry out regulated activities.
Is my money safe with EXPERIAN REFI OUTSOURCE SERVICES?
Protection depends on which product you hold and how EXPERIAN REFI OUTSOURCE SERVICES handles your money, so check the specific product before you commit. You can also refer complaints about EXPERIAN REFI OUTSOURCE SERVICES to the Financial Ombudsman Service, free of charge.
Is EXPERIAN REFI OUTSOURCE SERVICES a scam or clone?
EXPERIAN REFI OUTSOURCE SERVICES 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 EXPERIAN REFI OUTSOURCE SERVICES's Firm Reference Number (FRN)?
EXPERIAN REFI OUTSOURCE SERVICES's FRN is 680143. You can verify it on the FCA register.