Lendy Ltd

Reference number: 622666

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On the register, but not FCA authorised, but in an insolvency process

This firm is under the control of insolvency practitioners and may have stopped taking on new business. If you are or were a customer, deal with the appointed office holders rather than the firm.

What the FCA says

ATTENTION - Firm in an insolvency process

This firm is in an insolvency process. It is under the control of the appointed insolvency office holder(s) and may have stopped taking on new business. It has to continue to meet our standards in line with its regulatory status, including when dealing with its customers. If you are/were a customer check how this affects you with the firm or the appointed insolvency office holder(s).

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

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

    9th Floor, 25 Farringdon Street, London, EC4A 4AB, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode EC4A 4AB
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Other names (4)

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

  • Lendy Classic Trading name
  • Lendy Finance Trading name
  • Lendy Marine Trading name
  • Saving Stream Trading name

Past FCA permissions and consumer protection

  • In an insolvency process
    Money the firm held is returned through the appointed office holders, which takes time and can fall short. The FSCS covers eligible claims up to its limits, and the Ombudsman can still look at a complaint.

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.

Concerns on the company record

  • Companies House records this company in administration.
  • Accounts are overdue at Companies House.
  • Confirmation statement is overdue at Companies House.
  • This company has insolvency history on record.
Company number
08244913
Company status
Administration
Company type
Private limited company
Incorporated
9 October 2012 (14 years old)
Registered office
RSM RESTRUCTURING ADVISORY LLP, 9th Floor 25 Farringdon Street, London, EC4A 4AB
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Liam John Brooke Director Jun 1982 12 Jan 2013 4 other companies

Other companies run by its director

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
4
closed down
4

In the full report: all 4 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2014

Cash at bank

£3.73m

No earlier figure to compare

Owed within a year

£9.97m

No earlier figure to compare

Its next accounts are overdue at Companies House.

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.

Accounts filed at Companies House for company 08244913. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (7) All events (14)

2017

1 March 2017

  • Lendy Group Limited took control (75–100% of shares)
  • Liam John Brooke stopped being a part-owner
  • Tim Alastair Gordon stopped being a part-owner

Companies House

2016

6 April 2016

  • Liam John Brooke became a part-owner (25–50% of shares)
  • Tim Alastair Gordon became a part-owner (25–50% of shares)

Companies House

2014

2 June 2014

  • Registered with the FCA

FCA register

2012

9 October 2012

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Get the full report on Lendy

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

  • 4 other companies its directors have run, named
  • 1 background check on its contact details
  • All 14 events in its history

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Frequently asked questions about this firm

Is Lendy Ltd FCA authorised?
Lendy Ltd (FRN 622666) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
Is Lendy a scam or clone?
Lendy is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Lendy?
Lendy is under the control of insolvency practitioners, so money it held is returned through the appointed office holders rather than by the firm. That takes time and can fall short. Where money is missing, the FSCS covers eligible claims up to its limits, and the Financial Ombudsman Service can still consider a complaint.
Who owns Lendy?
Lendy is owned by Lendy Group Limited, which holds 75–100% of shares and 75–100% of votes, since 1 March 2017. Before that, it was controlled by Mr Tim Alastair Gordon and Mr Liam John Brooke.
Who runs Lendy?
Companies House lists one director of Lendy: Liam John Brooke.
How long has Lendy been in business?
The company was formed on 9 October 2012. Companies House now lists it as administration.
What do Lendy’s latest accounts show?
Its latest accounts, to 31 December 2014, show cash at bank of £3.73m (no earlier figure to compare). Its accounts are overdue at Companies House.
Does Lendy use any other names?
It trades as Lendy Classic, Lendy Finance, Lendy Marine and Saving Stream.

Sources and links

The full report on Lendy Ltd

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