Crystal Advice Limited

Reference number: 501875

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Ingard Financial Limited Reference number: 450731 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.
  • Crystal Advice Limited (FRN 501875) is an AR of Ingard Financial Limited (FRN 450731). When you use Crystal Advice's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Crystal Advice, 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.

Website, phone number and address

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.

In the full report: 3 background checks

  • When crystal-advice.co.uk first appeared online, and whether it can receive email
  • What kind of line 0121 693 5380 is
  • Who else gives the postcode B28 8JG
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Other names (3)

If you were contacted under any of these names, it is this firm.

  • Crystal Lending Trading name
  • Crystal Financial Associates Ltd Former name
  • Riffat Sultana Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Ingard Financial 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 Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Key dates in its history

Crystal Advice’s history from the FCA register and Companies House, newest first.

2016

21 January 2016

  • Changed its registered name from "Crystal Lending"

FCA register

2010

24 March 2010

  • Changed its registered name from "Crystal Financial Associates Ltd"

FCA register

2009

15 December 2009

  • Changed its registered name from "Riffat Sultana"

FCA register

2 June 2009

  • Became an appointed representative
  • Began trading as "Crystal Lending"

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Crystal Advice

Other FCA-listed firms that share a director, phone number or address with Crystal Advice. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Crystal Advice

Other firms of the same type (mortgage adviser or broker), nearest first.

In the Birmingham (B) postcode area

D Gee Mortgages LtdBirminghamAppointed representativeA & S Financial ServicesBirminghamAppointed representativeAAG Mortgage Brokerage LtdSolihullAppointed representativeAbundant Finance LimitedBirminghamAppointed representativeAcres Financial Services LimitedSutton ColdfieldAppointed representativeAiles Mortgage Solutions LimitedSolihullAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Crystal Advice

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 background checks on its contact details
  • All 5 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Crystal Advice Limited FCA authorised?
Crystal Advice Limited (FRN 501875) 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 Crystal Advice?
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. Crystal Advice Limited (FRN 501875) is an AR of Ingard Financial Limited (FRN 450731). When you use Crystal Advice's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Crystal Advice, 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.
What is Crystal Advice’s phone number and website?
The FCA register lists the phone number 0121 693 5380 and the website crystal-advice.co.uk for Crystal Advice. If you were given different contact details, use these to check with the firm before going any further.
Is Crystal Advice a scam or clone?
Crystal Advice is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Crystal Advice?
Protection works through Ingard Financial Limited, the principal firm responsible for Crystal Advice's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Crystal Advice use any other names?
It trades as Crystal Lending. It has previously used 2 other names: Crystal Financial Associates Ltd and Riffat Sultana.

Sources and links

The full report on Crystal Advice Limited

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