Lucy Victoria Hardy

Reference number: 1043404

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Appointed representative

Lucy Victoria Hardy 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

Ingard Financial Limited Reference number: 450731 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.
  • Lucy Victoria Hardy (FRN 1043404) is an AR of Ingard Financial Limited (FRN 450731). When you use Lucy Victoria Hardy's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Lucy Victoria Hardy, 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

  • Phone number

    07904 017797

  • Address

    Valpre, Nicol Road, Chalfont St. Peter, Gerrards Cross, Buckinghamshire, SL9 9ND, United Kingdom

In the full report: 2 background checks

  • What kind of line 07904 017797 is
  • Who else gives the postcode SL9 9ND
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Other names (1)

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

  • Lommo Mortgage Specialist Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Ingard Financial 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

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

2025

6 December 2025

  • Began trading as "Lommo Mortgage Specialist"

FCA register

28 October 2025

  • Became an appointed representative

FCA register

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

Firms like Lucy Victoria Hardy

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

In Gerrards Cross

Einstein Money LtdGerrards CrossAppointed representativeProsper Mortgage Solutions LimitedGerrards CrossAppointed representativeDavid Perpetuini LimitedGerrards CrossAppointed representativeHarpal PlahaGerrards CrossAuthorisedHearthstone Advisory LimitedGerrards CrossAuthorised

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 Lucy Victoria Hardy

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

  • 2 background checks on its contact details
  • All 2 events in its history

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Frequently asked questions about this firm

Is Lucy Victoria Hardy FCA authorised?
Lucy Victoria Hardy (FRN 1043404) 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 Lucy Victoria Hardy?
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. Lucy Victoria Hardy (FRN 1043404) is an AR of Ingard Financial Limited (FRN 450731). When you use Lucy Victoria Hardy's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Lucy Victoria Hardy, 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 Lucy Victoria Hardy’s phone number?
The FCA register lists the phone number 07904 017797 for Lucy Victoria Hardy. If you were given different contact details, use these to check with the firm before going any further.
Is Lucy Victoria Hardy a scam or clone?
Lucy Victoria Hardy 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 Lucy Victoria Hardy?
Protection works through Ingard Financial Limited, the principal firm responsible for Lucy Victoria Hardy's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does Lucy Victoria Hardy use any other names?
It trades as Lommo Mortgage Specialist.

Sources and links

The full report on Lucy Victoria Hardy

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