Lumen Cards Limited

Reference number: 1031699

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Authorised by the FCA

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

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 lumen.cards first appeared online, and whether it can receive email
  • What kind of line 0345 257 5859 is
  • Whether EC2A 4NE is a shared office: 82 other firms give it
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Other names (1)

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

  • Ziva Trading name

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 (2 permissions)
  • 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)

Limits on what they may do

  • Requirement regarding self-employed customers
    For a period of six months from the effective date [the effective date in the VREQ will be the same day of authorisation] of this requirement, the firm must: 1. Conduct a manual assessment of affordability for all self-employed customers and use the results of this assessment to determine whether the credit is affordable. 2. Compare the outcomes of the manual affordability assessment with those generated by the firm’s automated affordability assessment process. 3. At the end of the six-month period, provide the FCA with a report summarising: a. The methodology and findings of the manual assessment. b. The comparative analysis between manual and automated outcomes. c. Any proposed changes to the automated process based on these findings. 4. Until the FCA has reviewed the findings and confirmed its position, the firm must continue to conduct a manual assessment of affordability for any lending decisions (and not use any automated process for lending decisions) for self-employed customers. 5. Following the FCA review, the firm may request that this requirement be lifted or amended, subject to FCA approval.

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
16229435
Company status
Active
Company type
Private limited company
Incorporated
4 February 2025 (1 year old)
Registered office
3rd Floor 86-90 Paul Street, London, EC2A 4NE, United Kingdom
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven Hall Director Jan 1982 4 Feb 2025 None
Christopher John Malin Director Aug 1974 8 Jul 2025 None
Anirudh Ramesh Poddar Director Oct 1994 8 Jul 2025 None

In the full report: every company its directors have run

  • Confirmation that these 3 directors run no other company
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Filed accounts and finances

Year to 28 February 2026Full accountsNot audited

Net assets

−£1.51m

No earlier figure to compare

Cash at bank

£820k

No earlier figure to compare

Employees (average)

5

No earlier figure to compare

Owed within a year

£124k

No earlier figure to compare

Net assets are negative: on its last balance sheet the company owed £1.51m more than it owned.

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 16229435. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

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

Key events (5) All events (12)

2026

23 January 2026

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Requirement regarding self-employed customers)
  • Became authorised by the FCA

FCA register

2025

4 February 2025

  • Incorporated at Companies House
  • Bhavin Mahendra Turakhia took control (75–100% of shares)

Companies House

In the full report: all 12 events

  • All 12 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms like Lumen Cards

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

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale 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 Lumen Cards

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 12 events in its history

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Frequently asked questions about this firm

Is Lumen Cards Limited FCA authorised?
Yes, Lumen Cards Limited (FRN 1031699) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2026 and works as a lender. The FCA has placed a limit on what it may do.
What is Lumen Cards’ phone number and website?
The FCA register lists the phone number 0345 257 5859 and the website lumen.cards for Lumen Cards. If you were given different contact details, use these to check with the firm before going any further.
Is Lumen Cards a scam or clone?
Lumen Cards 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 Lumen Cards?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Lumen Cards handles your money, so check the specific product before you commit. You can also refer complaints about Lumen Cards to the Financial Ombudsman Service, free of charge.
Who owns Lumen Cards?
Companies House lists one person with significant control of Lumen Cards: Mr Bhavin Mahendra Turakhia (75–100% of shares).
Who runs Lumen Cards?
Companies House lists 3 directors of Lumen Cards: Steven Hall, Christopher John Malin and Anirudh Ramesh Poddar.
How long has Lumen Cards been in business?
The company was formed on 4 February 2025, and has held its current FCA authorisation since January 2026.
What do Lumen Cards’ latest accounts show?
Its latest accounts, to 28 February 2026, show net assets of −£1.51m (no earlier figure to compare) and cash at bank of £820k (no earlier figure to compare).
Does Lumen Cards use any other names?
It trades as Ziva.

Sources and links

The full report on Lumen Cards Limited

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