Hardtops UK Limited

Reference number: 968917

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

NewDay Cards Ltd Reference number: 682417 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • Hardtops UK Limited (FRN 968917) introduces customers to NewDay Cards Ltd (FRN 682417). Any regulated advice or arranging is done by the principal, not Hardtops UK.
  • Example: if Hardtops UK refers you to a financial adviser, the advice should come from the principal firm, not from Hardtops UK itself.
  • 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.

Same company

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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
08587481
Company status
Active
Company type
Private limited company
Incorporated
27 June 2013 (13 years old)
Registered office
Unit 3 Westmead Industrial Estate, Westmead, Swindon, Wiltshire, SN5 7YT, England
Nature of business
  • Retail trade of motor vehicle parts and accessories (SIC 45320)

Current directors and secretaries

Name Role Born Appointed
Joshua Edward Toogood Director Apr 1989 27 Jun 2013
Sally Ann Toogood Director Apr 1962 18 Jul 2019

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 NewDay Cards Ltd, 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.

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Common questions

Frequently asked questions

Is Hardtops UK Limited FCA authorised?
Hardtops UK Limited (FRN 968917) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Hardtops UK?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Hardtops UK Limited (FRN 968917) introduces customers to NewDay Cards Ltd (FRN 682417). Any regulated advice or arranging is done by the principal, not Hardtops UK. Example: if Hardtops UK refers you to a financial adviser, the advice should come from the principal firm, not from Hardtops UK itself. 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 Hardtops UK?
Protection works through NewDay Cards Ltd, the principal firm responsible for Hardtops UK's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Hardtops UK a scam or clone?
Hardtops UK 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 Hardtops UK's Firm Reference Number (FRN)?
Hardtops UK's FRN is 968917. You can verify it on the FCA register.