Duo Cars Ltd

Reference number: 1054599

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Appointed for under a year
Protected through the principal
No FCA actions
Active company since 2025
1 thing worth a closer look in the background checks

Responsible principal firm

LowRateCarFinance Limited Reference number: 963856 Authorised View firm →

What does this mean?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
Duo Cars Ltd (FRN 1054599) introduces customers to LowRateCarFinance Limited (FRN 963856). Any regulated advice or arranging is done by the principal, not Duo Cars.
Example: if Duo Cars refers you to a financial adviser, the advice should come from the principal firm, not from Duo Cars itself.
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.

Website

duocarsltd.co.uk (opens in a new tab)
Phone number

07977 772807
Address

12 Station Garage, Station Terrace, Llanybydder, Carmarthenshire, SA40 9XX, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When duocarsltd.co.uk first appeared online, and whether it can receive email
What kind of line 07977 772807 is
Who else gives the postcode SA40 9XX

FCA permissions and consumer protection

Protection through the principal firm
Protection works through LowRateCarFinance 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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 16710667 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 11 September 2025 (1 year old)
Registered office: 12 Station Terrace, Llanybydder, Dyfed, SA40 9XX, Wales
Nature of business: Sale of used cars and light motor vehicles (SIC 45112)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Richard Barry Davies	Director	Jul 1972	11 Sep 2025	2 other companies
Carwyn Rhys Lloyd	Director	Mar 1971	11 Sep 2025	None

Other companies run by these 2 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies: 2
still active: 2

In the full report: all 2 companies, named

What each company does, and whether it is still trading
Which of these 2 directors sit on each board, and since when
Any that went into liquidation or administration

Key dates in its history

Duo Cars’s history from the FCA register and Companies House, newest first.

2026

24 April 2026

Became an introducer appointed representative

FCA register

2025

11 September 2025

Incorporated at Companies House
Carwyn Rhys Lloyd became a part-owner (25–50% of shares)
Richard Barry Davies became a part-owner (25–50% of shares)
Carwyn Rhys Lloyd appointed as a director
Richard Barry Davies appointed as a director

Companies House

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

Firms like Duo Cars

Other firms of the same type (car dealer), nearest first.

In the Swansea (SA) postcode area

Alex Lewis Motors LtdHaverfordwestAppointed representative Arthur Bassett & Co. LimitedSwanseaAppointed representative B V Rees LtdDyfedAppointed representative Bassetts (South Wales) LtdAbertaweAppointed representative Bassetts (Wales) LtdWest GlamorganAppointed representative Car Hire (Day of Swansea) LimitedSwanseaAppointed 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 Duo Cars

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

2 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
All 6 events in its history

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Frequently asked questions about this firm

Is Duo Cars Ltd FCA authorised?

Duo Cars Ltd (FRN 1054599) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does introducer appointed representative mean for Duo Cars?

An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Duo Cars Ltd (FRN 1054599) introduces customers to LowRateCarFinance Limited (FRN 963856). Any regulated advice or arranging is done by the principal, not Duo Cars. Example: if Duo Cars refers you to a financial adviser, the advice should come from the principal firm, not from Duo Cars itself. 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 Duo Cars’ phone number and website?

The FCA register lists the phone number 07977 772807 and the website duocarsltd.co.uk for Duo Cars. If you were given different contact details, use these to check with the firm before going any further.

Is Duo Cars a scam or clone?

Duo Cars 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 Duo Cars?

Protection works through LowRateCarFinance Limited, the principal firm responsible for Duo Cars's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Duo Cars?

Companies House lists 2 people with significant control of Duo Cars: Mr Carwyn Rhys Lloyd (25–50% of shares) and Mr Richard Barry Davies (25–50% of shares).

Who runs Duo Cars?

Companies House lists 2 directors of Duo Cars: Richard Barry Davies and Carwyn Rhys Lloyd.

How long has Duo Cars been in business?

The company was formed on 11 September 2025.

Sources and links

Its entry on the FCA register register.fca.org.uk
Its Companies House record gov.uk
Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
Report a scam to the FCA fca.org.uk