Michael David Hughes

Reference number: 1037256

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Appointed representative

Michael David Hughes does not hold FCA authorisation of their own. It acts under a principal firm, which is legally responsible for their regulated business.

Responsible principal firm

T & L Leasing Limited Reference number: 653686 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.
  • Michael David Hughes (FRN 1037256) is an AR of T & L Leasing Limited (FRN 653686). When you use Michael David Hughes's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Michael David Hughes, 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

    07769 321582

  • Verified address

    50 Gibbon Road, Kingston Upon Thames, Kingston Upon Thames, KT2 6AB, United Kingdom

Also trades as
  • The Hughes Corporation

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 T & L Leasing 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 Michael David Hughes FCA authorised?
Michael David Hughes (FRN 1037256) 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 Michael David Hughes?
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. Michael David Hughes (FRN 1037256) is an AR of T & L Leasing Limited (FRN 653686). When you use Michael David Hughes's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Michael David Hughes, 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 Michael David Hughes?
Protection works through T & L Leasing Limited, the principal firm responsible for Michael David Hughes's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Michael David Hughes a scam or clone?
Michael David Hughes 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 Michael David Hughes's Firm Reference Number (FRN)?
Michael David Hughes's FRN is 1037256. You can verify it on the FCA register.