MODERN LENDING ADVISERS LIMITED

Reference number: 796140

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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.

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.
  • MODERN LENDING ADVISERS LIMITED (FRN 796140) 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 MODERN LENDING ADVISERS, 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.

Also trades as
  • more2life Advice Service

Company details

From the company's Companies House record.

Company number
08270253
Company status
Active
Company type
Private limited company
Incorporated
26 October 2012 (13 years old)
Registered office
Baines House Midgery Court Pittman Way, Fulwood, Preston, Lancashire, PR2 9ZH
Nature of business
  • Dormant Company (SIC 99999)

Current directors and secretaries

Name Role Born Appointed
William Benjamin Hale Director Oct 1975 15 Nov 2016
Simon Christopher Thompson Director Nov 1972 31 Mar 2021
James Tristan Perkin Director Sep 1980 28 Jan 2026

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 MODERN LENDING ADVISERS LIMITED FCA authorised?
MODERN LENDING ADVISERS LIMITED (FRN 796140) 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 MODERN LENDING ADVISERS?
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. MODERN LENDING ADVISERS LIMITED (FRN 796140) 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 MODERN LENDING ADVISERS, 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 MODERN LENDING ADVISERS?
Protection works through the principal firm responsible for MODERN LENDING ADVISERS's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is MODERN LENDING ADVISERS a scam or clone?
MODERN LENDING ADVISERS 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 MODERN LENDING ADVISERS's Firm Reference Number (FRN)?
MODERN LENDING ADVISERS's FRN is 796140. You can verify it on the FCA register.