Karen Todd

Reference number: 528525

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Appointed representative

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

Responsible principal firm

HL Partnership Limited Reference number: 303397 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.
  • Karen Todd (FRN 528525) is an AR of HL Partnership Limited (FRN 303397). When you use Karen Todd's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Karen Todd, 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.

  • No website on the FCA register

  • No phone number on the FCA register

  • Address

    Dalgety Bay Business Centre, Sybrig House, 16 Ridge Way, Donibristle Industrial Park, Hillend, Dunfermline, Fife, KY11 9JN, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode KY11 9JN
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Other names (1)

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

  • Veracity Mortgage Services Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through HL Partnership 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

Karen Todd’s history from the FCA register and Companies House, newest first.

2010

26 July 2010

  • Became an appointed representative
  • Began trading as "Veracity Mortgage Services"

FCA register

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

Firms connected to Karen Todd

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Karen Todd

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

In Dunfermline

Carnegie Mortgage and Protection LtdDunfermlineAppointed representativeDedicated Mortgage Solutions LimitedDunfermlineAppointed representativeEmpire Mortgages LtdDunfermlineAppointed representativeMortgage Help Scotland LtdDunfermlineAppointed representativePaul Hyde Financial Services LimitedDunfermlineAppointed representativePlayfair Finance Ltd.DunfermlineAppointed 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 Karen Todd

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

  • 1 background check on its contact details
  • All 2 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Karen Todd FCA authorised?
Karen Todd (FRN 528525) 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 Karen Todd?
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. Karen Todd (FRN 528525) is an AR of HL Partnership Limited (FRN 303397). When you use Karen Todd's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Karen Todd, 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 Karen Todd a scam or clone?
Karen Todd 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 Karen Todd?
Protection works through HL Partnership Limited, the principal firm responsible for Karen Todd's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Karen Todd use any other names?
It trades as Veracity Mortgage Services.

Sources and links

The full report on Karen Todd

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