Martin Hardy & Sons Limited

Reference number: 1006105

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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

Golden Charter Limited Reference number: 965279 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.
  • Martin Hardy & Sons Limited (FRN 1006105) is an AR of Golden Charter Limited (FRN 965279). When you use Martin Hardy & Sons's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Martin Hardy & Sons, 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

    01371 810324

  • Verified address

    Lawley House, Butt Lane, Colchester, Essex, CO3 3DG, United Kingdom

Also trades as
  • G W Hardy & Son
  • Martin & Sons

Company details

From the company's Companies House record.

Company number
04221649
Company status
Active
Company type
Private limited company
Incorporated
22 May 2001 (25 years old)
Registered office
Dickens House, Guithavon Street, Witham, Essex, CM8 1BJ, England
Nature of business
  • Funeral and related activities (SIC 96030)

Current directors and secretaries

Name Role Born Appointed
Roy Gwinnell Director Jun 1948 22 May 2001
Matthew John Gwinnell Director Oct 1974 1 May 2009
Christine Gwinnell Secretary Not published 22 May 2001

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 Charter 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 Martin Hardy & Sons Limited FCA authorised?
Martin Hardy & Sons Limited (FRN 1006105) 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 Martin Hardy & Sons?
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. Martin Hardy & Sons Limited (FRN 1006105) is an AR of Golden Charter Limited (FRN 965279). When you use Martin Hardy & Sons's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Martin Hardy & Sons, 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 Martin Hardy & Sons?
Protection works through Golden Charter Limited, the principal firm responsible for Martin Hardy & Sons's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Martin Hardy & Sons a scam or clone?
Martin Hardy & Sons 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 Martin Hardy & Sons's Firm Reference Number (FRN)?
Martin Hardy & Sons's FRN is 1006105. You can verify it on the FCA register.