Lucy Victoria Hardy

Reference number: 1043404

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Appointed representative

Lucy Victoria Hardy does not hold FCA authorisation of their own. It acts under a principal firm, which is legally responsible for their regulated business.

The FCA register does not name a principal for this 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.
  • Lucy Victoria Hardy (FRN 1043404) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm.
  • Example: if you take financial advice from Lucy Victoria Hardy, 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.

  • No website on the FCA register

  • Verified phone number

    07904 017797

  • Verified address

    Valpre, Nicol Road, Chalfont St. Peter, Gerrards Cross, Buckinghamshire, SL9 9ND, United Kingdom

Also trades as
  • Lommo Mortgage Specialist

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 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 Lucy Victoria Hardy FCA authorised?
Lucy Victoria Hardy (FRN 1043404) 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 Lucy Victoria Hardy?
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. Lucy Victoria Hardy (FRN 1043404) is listed as an appointed representative, but the register does not show its principal firm here. Find the principal on the FCA register before dealing with this firm. Example: if you take financial advice from Lucy Victoria Hardy, 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 Lucy Victoria Hardy?
Protection works through the principal firm responsible for Lucy Victoria Hardy's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Lucy Victoria Hardy a scam or clone?
Lucy Victoria Hardy 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 Lucy Victoria Hardy's Firm Reference Number (FRN)?
Lucy Victoria Hardy's FRN is 1043404. You can verify it on the FCA register.