Our Team

Meet the incredible team working day and night to give you the best service in the industry at Fair for You.


Angela Clements

Chief Executive Officer

“There are too many loans companies around now that make a lot of profit and don’t treat their customers very well. Many of the largest ones are based overseas and so don’t even support our local economy.

 I have sat through all of the customer forum groups we have run in the past year, and I think there are a lot of people who now believe its time for something better.

I am determined that Fair for You will offer our customers a new alternative when they need to buy items for their home.”

Howard Bell 
Chair of Fair for You CIC

Howard has scaled and revitalised a number of FinTech organisations to scale including PayPal Europe, JustGiving and Barclaycard Payments Acceptance. Howard brings a wide range of digital, ecommerce and growth strategy experience to FairforYou. Howard also chairs Firefly Learning and advises CEOs on strategy and growth.

Meet the Loans Team

You’ll meet these guys when they call to confirm your loan agreement. They’re friendly, quick & they’ll explain everything for you. Our customer service has been described as “second to none”.


“I love working for Fair For You, as our loans offer a real choice for busy people, giving quality and value, which equals more money in your pocket. The application is quick and simple, so we save you time and money.”

Yvonne Clements

Lending Officer

“Working with Fair for You is great, as it’s good to go home knowing that you’ve made a difference to someone and genuinely helped people.”

Ashleigh Cobley

Lending Officer

I wanted to be part of a company that helps people, and Fair for You definitely does that. 

I can go home everyday knowing that I’ve made a difference.”


Alexandra Neville

Head of Lending
debbie at fair for you


Debbie Kinghorne

Lending Officer

“Vulnerable people are still stuck in a mind-set where they feel that this is the only option. Fair for You is an organisation that offers an ethical alternative which genuinely puts the customer first.

I’m proud to call myself part of an organisation that breaks through the conventional method of lending and provides a much needed service, to a community that has been unfairly excluded from obtaining reasonable finance for far too long.”

Harry Ferris-Day

Senior Lending Officer

Steve Dodds

Lending Officer


Glad that you’ve found us? These are the people to thank for spreading the word about Fair for You.


“I’m proud to be part of something that challenges the way things are done, and that is creating something new and life-changing for our customers”

Charlotte Bailey

Marketing Officer

Legal & Finance

These guys are taking £10 off your loan, protecting your rights & working hard to serve Fair for You customers.


“I believe Fair for You will stop the ‘poor becoming poorer’ idea by reducing the amount of people that have to turn to very high interest retailers for household appliances.”

Jason Carter

Finance Officer

“I joined the Fair for You project as families are desperate for cheaper alternatives to very expensive Rent to Buy or Catalogues. Fair For You will quickly set new standards and become an important service to our valid customers.”

Martyn Passey

Payment Services Manager

“I wanted to be a part of something that felt like it was actually helping people and creating change. Fair for You has done this, and will continue to do so through the work that we are doing everyday. It’s the best feeling.”

Chris Bennett

Commercial Manager

“It’s really exciting to work with and support a team that is wholly committed to empowering and supporting our customers, building homes and building a future.” 

Tony Hawken

Chief Finance Officer