Orbit Credit Services Ltd

Reference number: 971349

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Wescot Credit Services Limited Reference number: 688858 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Orbit Credit Services Ltd (FRN 971349) is an AR of Wescot Credit Services Limited (FRN 688858). When you use Orbit Credit Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Orbit Credit Services, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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
06476959
Company status
Active
Company type
Private limited company
Incorporated
18 January 2008 (18 years old)
Registered office
1 Kings Hill Avenue, Kings Hill, West Malling, ME19 4UA, England
Nature of business
  • Activities of collection agencies (SIC 82911)

Current directors and secretaries

Name Role Born Appointed
Jonathan Andrew Graham Director May 1969 17 Feb 2020
Leo Weston Director Apr 1970 11 Nov 2021
Thomas David Somerville Director Feb 1982 31 Dec 2025
Lucy Marie Bassett Secretary Not published 30 Sep 2024

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Wescot Credit Services Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

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

  • Orbit Debt Collections Limited

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Common questions

Frequently asked questions

Is Orbit Credit Services Ltd FCA authorised?
Orbit Credit Services Ltd (FRN 971349) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Orbit Credit Services?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Orbit Credit Services Ltd (FRN 971349) is an AR of Wescot Credit Services Limited (FRN 688858). When you use Orbit Credit Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Orbit Credit Services, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Is my money safe with Orbit Credit Services?
Protection works through Wescot Credit Services Limited, the principal firm responsible for Orbit Credit Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Orbit Credit Services a scam or clone?
Orbit Credit 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 Orbit Credit Services's Firm Reference Number (FRN)?
Orbit Credit Services's FRN is 971349. You can verify it on the FCA register.