Lock Financial Planning Services Limited

Reference number: 1050861

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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

Corbel Partners Limited Reference number: 429142 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.
  • Lock Financial Planning Services Limited (FRN 1050861) is an AR of Corbel Partners Limited (FRN 429142). When you use Lock Financial Planning Services's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lock Financial Planning Services, 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, 1 thing worth a closer look

  • When lockfs.co.uk first appeared online, and whether it can receive email
  • What kind of line 07434 703933 is
  • Who else gives the postcode CF24 1TP
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Other names (1)

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

  • Lock Financial Services Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Corbel Partners 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
16901905
Company status
Active
Company type
Private limited company
Incorporated
10 December 2025 (less than a year old)
Registered office
389 Newport Road, Cardiff, South Glamorgan, CF24 1TP, Wales
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Charlene Lock Director Mar 1988 10 Dec 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

Lock Financial Planning Services’s history from the FCA register and Companies House, newest first.

2026

19 February 2026

  • Became an appointed representative
  • Began trading as "Lock Financial Services"

FCA register

2025

10 December 2025

  • Incorporated at Companies House
  • Charlene Lock took control (75–100% of shares)
  • Charlene Lock appointed as a director

Companies House

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

Firms like Lock Financial Planning Services

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

In Cardiff

Abram Partnership LtdCardiffAppointed representativeAdam Hughes Wealth Management LtdCardiffAppointed representativeAndrew PrattCardiffAppointed representativeAndrew VarleyCardiffAppointed representativeBen PerkinsCardiffAppointed representativeBen StringerCardiffAppointed 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 Lock Financial Planning Services

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

  • Every company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 5 events in its history

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Frequently asked questions about this firm

Is Lock Financial Planning Services Limited FCA authorised?
Lock Financial Planning Services Limited (FRN 1050861) 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 Lock Financial Planning Services?
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. Lock Financial Planning Services Limited (FRN 1050861) is an AR of Corbel Partners Limited (FRN 429142). When you use Lock Financial Planning Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lock Financial Planning Services, 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 Lock Financial Planning Services’ phone number and website?
The FCA register lists the phone number 07434 703933 and the website lockfs.co.uk for Lock Financial Planning Services. If you were given different contact details, use these to check with the firm before going any further.
Is Lock Financial Planning Services a scam or clone?
Lock Financial Planning Services 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 Lock Financial Planning Services?
Protection works through Corbel Partners Limited, the principal firm responsible for Lock Financial Planning Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lock Financial Planning Services?
Companies House lists one person with significant control of Lock Financial Planning Services: Mrs Charlene Lock (75–100% of shares).
Who runs Lock Financial Planning Services?
Companies House lists one director of Lock Financial Planning Services: Charlene Lock.
How long has Lock Financial Planning Services been in business?
The company was formed on 10 December 2025.
Does Lock Financial Planning Services use any other names?
It trades as Lock Financial Services.

Sources and links

The full report on Lock Financial Planning Services Limited

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