About First Credit Advice
FCA-authorised debt advice you can trust. Helping individuals and businesses across the UK since 2012.
FCA-authorised debt help since 2012
First Credit Advice Limited has supported individuals and businesses with debt and credit-file issues since 2012. We give clear, practical guidance on creditor pressure, court action, defaults, CIFAS markers, mortgage arrears, tax debt and business debt.
Our role is to explain your options in plain English, including free debt advice services and any relevant cancellation rights, before you decide whether a paid service is appropriate.
We do not promise outcomes we cannot control. Where we can help, we agree the scope and fees in writing before paid work begins. Where free or alternative support is more suitable, we will say so.
What We Do
We advise on secured debts such as mortgage arrears and vehicle finance, unsecured debts such as credit cards, personal loans and payday loans, and government debts such as overpaid benefits, self-assessment tax, VAT and PAYE/NIC. We also help with credit-file disputes, CCJs, CIFAS markers and business debt.
We provide both free initial guidance and paid services where appropriate. Free alternatives — such as those offered by MoneyHelper, StepChange, National Debtline, and Citizens Advice — are always explained first, as required by the FCA.
Our authorisation
First Credit Advice Limited is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Reference Number 746010. We are registered with the Information Commissioner's Office (ICO) under reference Z3299816.
Our permissions include:
- Debt counselling
- Debt adjusting
- Credit-related regulated activities
You can verify our FCA authorisation at register.fca.org.uk.
Our approach
We believe in plain-English advice, transparent fees, and no pressure tactics. Before any paid work begins, we always:
- Explain your free options clearly
- Set out fees in writing
- Confirm your cancellation rights
- Give you time to decide — without pressure
Vulnerable customers
We are committed to treating all customers fairly, including those in vulnerable circumstances. Our Vulnerable Customer Policy ensures extra support is available for anyone who needs it — whether due to health conditions, financial distress, or other factors. Read our full .
Our Team
Our experienced advisers understand that dealing with debt is stressful. We are here to listen without judgement and help you find a path forward.
Sarah Jenkins
Lead Debt Adviser
David Chen
Senior Case Manager
Complaints
If you have a complaint about our service, we aim to resolve it promptly and fairly. Our full complaints procedure is available below, or contact us directly:
- Phone: +44 203 918 1986
- Email: hello@fcal.co.uk
- Post: First Credit Advice Limited, 27-43 St James House, Eastern Road, Romford, RM1 3NH
If you are not satisfied with our response, you may refer to the Financial Ombudsman Service free of charge within 6 months.
Last reviewed: by First Credit Advice Limited