How can you still help if you are not FCA-registered?

We help by assessing your situation and matching you with the right debt solution provider — such as an FCA-regulated IVA firm or debt charity. You then contact that provider directly.

Is it safe to use a provider you connect me with?

Yes. We only work with FCA-regulated firms or regulated charities. They follow strict conduct rules, and you can check their registration via the FCA’s Financial Services Register.

Why We’re Not FCA Registered (and How We Can Still Help)

We don’t give regulated advice — so we don’t need FCA registration. But we still guide you to trusted, FCA-regulated providers who can help with debt solutions.

Start My Free Guidance Check

Free & confidential • Takes 60–90 seconds • No obligation

Reviewed by: Fresh Start Debt Support team • Last updated

Why We’re Not FCA Registered — And How We Still Help You Find Real Debt Support

Q: Why aren’t you FCA registered?

We are not FCA-registered because – under UK regulations – we do not give regulated advice or arrange credit: we simply provide free guidance and connect you to FCA-regulated providers. This does not require FCA authorisation.

In short: we don’t provide regulated financial advice or arrange credit, so UK rules say we don’t have to be FCA-authorised. Instead, we offer free guidance and help you connect with trusted, FCA-regulated providers who offer solutions like IVAs, DMPs or other debt support.

How We Help Without FCA Registration

We review your situation: You share your circumstances—unsecured debts, income, goals.
We suggest suitable options: No formal advice, but we explain what solutions (e.g., IVA, DRO, DMP) might fit.
We connect you to regulated providers: We match you with firms or charities that are fully FCA-regulated and capable of offering the help you need.
You then deal directly with them: You contact your chosen provider, and they handle your case under FCA rules.

Why We Don’t Need FCA Registration

Under UK financial regulation, only those who give regulated advice, sell or arrange regulated products need FCA authorisation. We don’t do that — we simply guide you to providers who do and are regulated. This keeps our service fast, free, and focused on helping you find the right path.

Still want to check? You can look up any firm’s status on the FCA’s Financial Services Register.

We Only Partner with FCA-Regulated Firms & Regulated Charities

Every provider we suggest—be it for IVAs, debt solutions, or support—is either an officially FCA-regulated business or a regulated debt charity. They follow strict conduct rules, keep your data safe, and must give you clear, fair, and transparent service.

Reviewed by a UK-Licensed Insolvency Practitioner

Our content is reviewed by a licensed Insolvency Practitioner (IP). While we’re not regulated by the FCA, we’re serious about accuracy and transparency. You can rely on us to match you to proper, regulated help.

Who Should Be Cautious About Using Our Service

If you’re seeking formal regulated advice, want to arrange credit directly, or need someone to act on your behalf, you should go directly to an FCA-regulated adviser or debt specialist. We’re here to connect—not to substitute professional regulation.

Frequently Asked Questions

Why aren’t you FCA registered?

We don’t provide regulated advice or arrange credit, so regulations don’t require FCA registration for what we do — which is guiding and connecting you to trusted providers.

How do I know the providers you recommend are safe?

We only partner with firms or charities that are FCA-regulated or regulated themselves. You can check their status on the FCA register.

Is it still safe to use your service?

Absolutely. Our role is to help you find the right FCA-regulated support. You make the final choice—and the provider then operates under regulated standards.

Have another question?

Reach out or continue with our free guidance check to find your best next step.