Hardy Finance Limited

Reference number: 674664

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Authorised by the FCA

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

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 hardyfinanceltd.com first appeared online, and whether it can receive email
  • What kind of line 07885 831737 is, and the 5 other firms that give it
  • Who else gives the postcode SS1 2LZ
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Other names (5)

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

  • cash converters Grays Trading name
  • Cash Converters Northampton Trading name
  • cash converters Norwich Trading name
  • cash converters Romford Trading name
  • Cash Converters Southend Trading name

FCA permissions and consumer protection

  • 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.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 permissions)
  • 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

  • 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

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
05207494
Company status
Active
Company type
Private limited company
Incorporated
17 August 2004 (22 years old)
Registered office
4a Church Street, Market Harborough, Leicestershire, LE16 7AA, England
Nature of business
  • Retail sale of electrical household appliances in specialised stores (SIC 47540)
  • Retail sale of other second-hand goods in stores (not incl. antiques) (SIC 47799)
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Gary Raymond Lewy Director Nov 1967 2 Mar 2016 24 other companies
Edward Stephen Lewy Director Oct 1998 8 Mar 2022 12 other companies

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
26
closed down
4
are FCA-registered
9

In the full report: all 26 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
  • The 9 on the FCA register, including one no longer authorised
  • The 10 companies these 2 directors run together
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 April 2025Small company accountsNot audited

Net assets

£2.07m

+21% from £1.71m

Cash at bank

£489k

+33% from £369k

Employees (average)

27

Same as 27

Owed within a year

£612k

+35% from £453k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 05207494. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Hardy Finance’s history from the FCA register and Companies House, newest first.

Key events (9) All events (28)

2025

3 November 2025

  • Ruth Lewy became a part-owner (25–50% of shares)

Companies House

2021

20 October 2021

  • Gary Raymond Lewy took control (75–100% of shares)
  • Pamela Dorrington stopped being the majority owner

Companies House

2016

3 August 2016

  • Pamela Dorrington became the majority owner (50–75% of shares)

Companies House

16 February 2016

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2015

28 February 2015

  • Supervised by The Association of Chartered Certified Accountants from this date

FCA register

2004

17 August 2004

  • Incorporated at Companies House

Companies House

In the full report: all 28 events

  • All 28 events in its history (9 shown here)
  • Every director appointment and resignation: 12
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Firms connected to Hardy Finance

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

connected firms
8
share a director
8
share its phone number
5

In the full report: all 8 connected firms, named

  • How each is linked: shared directors (8), the same phone number (5)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Hardy Finance

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

In Essex

Affordable Loans LimitedessexAuthorisedChilton J LimitedEssexAuthorised

In the Southend-on-Sea (SS) postcode area

4Wealth LimitedLeigh-on-SeaAuthorisedAdam & Sons LimitedSouthend-on-SeaAuthorisedClosecourtt LimitedBasildonAuthorisedCNH Industrial Capital Europe LimitedBasildonAuthorised

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 Hardy Finance

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

  • 26 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 28 events in its history
  • 8 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Hardy Finance Limited FCA authorised?
Yes, Hardy Finance Limited (FRN 674664) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a lender. The FCA has placed a limit on what it may do.
What is Hardy Finance’s phone number and website?
The FCA register lists the phone number 07885 831737 and the website hardyfinanceltd.com for Hardy Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 5 other FCA firms.
Is Hardy Finance a scam or clone?
Hardy Finance 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 Hardy Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Hardy Finance handles your money, so check the specific product before you commit. You can also refer complaints about Hardy Finance to the Financial Ombudsman Service, free of charge.
Who owns Hardy Finance?
Companies House lists 2 people with significant control of Hardy Finance: Mr Gary Raymond Lewy (75–100% of shares) and Mrs Ruth Lewy (25–50% of shares). Before that, it was controlled by Mrs Pamela Dorrington.
Who runs Hardy Finance?
Companies House lists 2 directors of Hardy Finance: Gary Raymond Lewy and Edward Stephen Lewy.
How long has Hardy Finance been in business?
The company was formed on 17 August 2004, and has held its current FCA authorisation since February 2016.
What do Hardy Finance’s latest accounts show?
Its latest accounts, to 30 April 2025, show net assets of £2.07m (+21% from £1.71m) and cash at bank of £489k (+33% from £369k).
Does Hardy Finance use any other names?
It trades as cash converters Grays, Cash Converters Northampton, cash converters Norwich, cash converters Romford and Cash Converters Southend.

Sources and links

The full report on Hardy Finance Limited

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