The Five Lamps Organisation

Reference number: 656112

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 4 other names
  • Conduit
  • Five Lamps
  • Five Lamps Organisation
  • www.fivelamps.org.uk

Company details

From the company's Companies House record.

Company number
02441319
Company status
Active
Company type
Private company limited by guarantee
Incorporated
9 November 1989 (36 years old)
Registered office
Eldon Street, Thornaby, Stockton-On-Tees, TS17 7DJ
Nature of business
  • Other information service activities not elsewhere classified (SIC 63990)

Current directors and secretaries

Name Role Born Appointed
Patricia Chambers Director Apr 1956 24 Aug 2010
Vivienne Jane Holmes Director Sep 1967 28 Sep 2010
Trevor George Watson Director Jan 1946 25 Jan 2012

The firm, by virtue of its constitution or any enactment, must be:(i) required (after payment of outgoings) to apply the whole of its income and any capital it expends for charitable or public purposes, and (ii) prohibited from directly or indirectly distributing amongst its members any part of its assets (otherwise than for charitable or public purposes); And the firm must not have any associate (other than a not-for profit debt advice body) which carries on debt adjusting or debt counselling or providing credit information services.)

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.

    Check your FSCS cover →

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Show FCA detail (4 permissions)
  • Administering a regulated mortgage contract
  • Credit Broking
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

Limits on what they may do

  • Five Lamps Organisation – VREQ (Pause on New Lending, Non-promotion) - Effective 6 May 2026
    1. The Firm must not enter into any new regulated credit agreements, nor vary, increase, or extend any existing regulated credit facilities, without the prior written consent of the FCA 2. The Firm must cease publishing all financial promotions until these Requirements have been lifted by the Authority. 3. For the avoidance of doubt, this restriction does not prevent the Firm from continuing to service and administer their existing loan book in the ordinary and proper course of business.
  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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.

Names it no longer trades under

This firm has retired 4 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • Conduit Scotland
  • Five Lamps Trading
  • Hull Money
  • Northumberland Money

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Common questions

Frequently asked questions

Is The Five Lamps Organisation FCA authorised?
Yes, The Five Lamps Organisation (FRN 656112) is authorised by the FCA to carry out regulated activities.
Is my money safe with The Five Lamps Organisation?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about The Five Lamps Organisation to the Financial Ombudsman Service, free of charge.
Is The Five Lamps Organisation a scam or clone?
The Five Lamps Organisation 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 The Five Lamps Organisation's Firm Reference Number (FRN)?
The Five Lamps Organisation's FRN is 656112. You can verify it on the FCA register.