Lumina Direct Funerals LTD

Reference number: 1053069

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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

GOLDEN LEAVES LIMITED Reference number: 960923 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.
  • Lumina Direct Funerals LTD (FRN 1053069) introduces customers to GOLDEN LEAVES LIMITED (FRN 960923). Any regulated advice or arranging is done by the principal, not Lumina Direct Funerals.
  • Example: if Lumina Direct Funerals refers you to a financial adviser, the advice should come from the principal firm, not from Lumina Direct Funerals 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
  • Lumina funerals

Company details

From the company's Companies House record.

Company number
16749140
Company status
Active
Company type
Private limited company
Incorporated
29 September 2025 (less than a year old)
Registered office
48 Broad Ing Close, Cliviger, Burnley, BB10 4TY, England
Nature of business
  • Funeral and related activities (SIC 96030)

Current directors and secretaries

Name Role Born Appointed
Sarah Davinia Bass Director May 1988 29 Sep 2025

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 GOLDEN LEAVES 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 Lumina Direct Funerals LTD FCA authorised?
Lumina Direct Funerals LTD (FRN 1053069) 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 Lumina Direct Funerals?
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. Lumina Direct Funerals LTD (FRN 1053069) introduces customers to GOLDEN LEAVES LIMITED (FRN 960923). Any regulated advice or arranging is done by the principal, not Lumina Direct Funerals. Example: if Lumina Direct Funerals refers you to a financial adviser, the advice should come from the principal firm, not from Lumina Direct Funerals 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 Lumina Direct Funerals?
Protection works through GOLDEN LEAVES LIMITED, the principal firm responsible for Lumina Direct Funerals's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Lumina Direct Funerals a scam or clone?
Lumina Direct Funerals 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 Lumina Direct Funerals's Firm Reference Number (FRN)?
Lumina Direct Funerals's FRN is 1053069. You can verify it on the FCA register.