Lombard North Central PLC: FCA regulated?

Authorised by the FCA

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

Authorised for 9 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 1938
1 thing worth a closer look in the background checks

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

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

0345 877 8888
Address

The Royal Bank Of Scotland plc, 250 Bishopsgate, London, Tower Hamlets, EC2M 4AA, United Kingdom

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

When lombard.co.uk first appeared online, and whether it can receive email
What kind of line 0345 877 8888 is
Whether EC2M 4AA is a shared office: 24 other firms give it

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)

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 name: LOMBARD NORTH CENTRAL PUBLIC LIMITED COMPANY
Company number: 00337004 (opens Companies House in a new tab)
Company status: Active
Company type: Public limited company
Incorporated: 19 February 1938 (88 years old)
Registered office: 250 Bishopsgate, London, EC2M 4AA, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Andrew Stephen Gray	Director	Mar 1968	3 Oct 2023	1 other company
Paul Andrew Edwards	Director	Apr 1975	19 Sep 2024	15 other companies
Carolina Romero Ramirez	Director	Jul 1987	3 Feb 2025	1 other company
NATWEST GROUP SECRETARIAL SERVICES LIMITED	Corporate secretary	Not published	20 Nov 2013	–

Other companies run by these 3 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: 17
closed down: 1
are FCA-registered: 6

In the full report: all 17 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
Any that went into liquidation or administration
The 6 on the FCA register
All 71 people who have ever been directors, with their dates

Key dates in its history

Lombard North Central’s history from the FCA register and Companies House, newest first.

Key events (4) All events (136)

2017

9 February 2017

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

1 January 2017

National Westminster Bank PLC took control (75–100% of shares)

Companies House

1938

19 February 1938

Incorporated at Companies House

Companies House

In the full report: all 136 events

All 136 events in its history (4 shown here)
Every director appointment and resignation: 130

Firms connected to Lombard North Central

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

connected firms: 5
share a director: 5
share its postcode: 1

In the full report: all 5 connected firms, named

How each is linked: shared directors (5), the same postcode (1)
Who links each one: the named directors, with dates
1 past link through former directors

Firms like Lombard North Central

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

In London

Klarna Financial Services UK LimitedLondonAuthorised Affirm U.K. LimitedLondonAuthorised Glaxosmithkline Services UnlimitedLondonAuthorised Goldsmiths University of LondonLondonAuthorised Pershing Securities LimitedLondonAuthorised Clydesdale Financial Services LimitedLondonAuthorised

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 Lombard North Central

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

17 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
All 136 events in its history
5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lombard North Central PLC FCA authorised?

Yes, Lombard North Central PLC (FRN 710598) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2017 and works as a lender. The FCA has placed no limits on its permissions.

What is Lombard North Central’s phone number and website?

The FCA register lists the phone number 0345 877 8888 and the website lombard.co.uk for Lombard North Central. If you were given different contact details, use these to check with the firm before going any further.

Is Lombard North Central a scam or clone?

Lombard North Central 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 Lombard North Central?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Lombard North Central handles your money, so check the specific product before you commit. You can also refer complaints about Lombard North Central to the Financial Ombudsman Service, free of charge.

Who owns Lombard North Central?

Lombard North Central is owned by National Westminster Bank PLC, which holds 75–100% of shares and 75–100% of votes, since 1 January 2017.

Who runs Lombard North Central?

Companies House lists 3 directors of Lombard North Central: Andrew Stephen Gray, Paul Andrew Edwards and Carolina Romero Ramirez.

How long has Lombard North Central been in business?

The company was formed on 19 February 1938, and has held its current FCA authorisation since February 2017.