Life Moments Ltd

Reference number: 840830

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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

Independent Order of Odd Fellows Manchester Unity Friendly Society Limited Reference number: 109995 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.
  • Life Moments Ltd (FRN 840830) introduces customers to Independent Order of Odd Fellows Manchester Unity Friendly Society Limited (FRN 109995). Any regulated advice or arranging is done by the principal, not Life Moments.
  • Example: if Life Moments refers you to a financial adviser, the advice should come from the principal firm, not from Life Moments 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.

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.

Also trades as
  • First Home Coach

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 Independent Order of Odd Fellows Manchester Unity Friendly Society 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.

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Common questions

Frequently asked questions

Is Life Moments Ltd FCA authorised?
Life Moments Ltd (FRN 840830) 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 Life Moments?
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. Life Moments Ltd (FRN 840830) introduces customers to Independent Order of Odd Fellows Manchester Unity Friendly Society Limited (FRN 109995). Any regulated advice or arranging is done by the principal, not Life Moments. Example: if Life Moments refers you to a financial adviser, the advice should come from the principal firm, not from Life Moments 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 Life Moments?
Protection works through Independent Order of Odd Fellows Manchester Unity Friendly Society Limited, the principal firm responsible for Life Moments's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Life Moments a scam or clone?
Life Moments 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 Life Moments's Firm Reference Number (FRN)?
Life Moments's FRN is 840830. You can verify it on the FCA register.