L & K Financial Ltd

Reference number: 991019

Instant download

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

TMG Direct Limited Reference number: 786245 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.
  • L & K Financial Ltd (FRN 991019) is an AR of TMG Direct Limited (FRN 786245). When you use L & K Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from L & K Financial, 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
14555020
Company status
Active
Company type
Private limited company
Incorporated
22 December 2022 (3 years old)
Registered office
21 Coot Way, Stoke Bardolph, Burton Joyce, Nottingham, NG14 5JP, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Kelly Nicholson Director Aug 1990 22 Dec 2022
Lauren Sian Tebb Director Jul 1989 22 Dec 2022

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 TMG Direct 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.

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is L & K Financial Ltd FCA authorised?
L & K Financial Ltd (FRN 991019) 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 L & K Financial?
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. L & K Financial Ltd (FRN 991019) is an AR of TMG Direct Limited (FRN 786245). When you use L & K Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from L & K Financial, 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 L & K Financial?
Protection works through TMG Direct Limited, the principal firm responsible for L & K Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is L & K Financial a scam or clone?
L & K Financial 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 L & K Financial's Firm Reference Number (FRN)?
L & K Financial's FRN is 991019. You can verify it on the FCA register.