Lumon Pay Ltd

Reference number: 1035079

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Cycle Solutions (Cycle to Work) Limited Reference number: 722968 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • LUMON PAY LTD (FRN 1035079) introduces customers to Cycle Solutions (Cycle to Work) Limited (FRN 722968). Any regulated advice or arranging is done by the principal, not LUMON PAY.
  • Example: if LUMON PAY refers you to a financial adviser, the advice should come from the principal firm, not from LUMON PAY itself.
  • 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.

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

  • Phone number

    020 4517 3643

  • Address

    Lumon Pay Ltd, 20 Farringdon Road, London, Islington, EC1M 3HE, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 4517 3643 is
  • Who else gives the postcode EC1M 3HE
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Cycle Solutions (Cycle to Work) 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
05082565
Company status
Active
Company type
Private limited company
Incorporated
24 March 2004 (22 years old)
Registered office
20 Farringdon Road, London, EC1M 3HE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael James Peter England Director Feb 1981 25 May 2018 49 other companies
Leigh Edward Bridger Director Oct 1980 6 Dec 2021 3 other companies
Jonathan James Guest Director Feb 1983 16 Dec 2021 9 other companies
Ian Mccaig Director Apr 1966 31 Aug 2022 48 other companies
Nicholas John Haslehurst Director Oct 1972 18 Oct 2022 10 other companies
Victor Marc Darvey Director Nov 1972 24 Nov 2023 5 other companies

Other companies run by these 6 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
115
closed down
48
went insolvent
8

In the full report: all 115 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • The 8 that went into liquidation or administration
  • The 11 on the FCA register, including 2 no longer authorised
  • The 2 companies these 6 directors run together
  • All 22 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (11) All events (45)

2025

18 June 2025

  • Became an introducer appointed representative

FCA register

2020

1 December 2020

  • Currency Holdings Limited gave up control
  • Lumon Acquisitions Limited took control (75–100% of shares)

Companies House

2018

25 May 2018

  • Currency Holdings Limited took control (75–100% of shares)
  • Peter Simon Ellis gave up control
  • Phillipa Jane Sherman no longer has significant control
  • Thomas Richard Higham no longer has significant control

Companies House

2016

18 April 2016

  • Phillipa Jane Sherman gained significant control

Companies House

6 April 2016

  • Peter Simon Ellis took control (75–100% of shares)
  • Thomas Richard Higham gained significant control

Companies House

2004

24 March 2004

  • Incorporated at Companies House

Companies House

In the full report: all 45 events

  • All 45 events in its history (11 shown here)
  • Every director appointment and resignation: 34
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Firms connected to Lumon Pay

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Get the full report on Lumon Pay

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

  • 115 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 45 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lumon Pay Ltd FCA authorised?
Lumon Pay Ltd (FRN 1035079) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for Lumon Pay?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. Lumon Pay Ltd (FRN 1035079) introduces customers to Cycle Solutions (Cycle to Work) Limited (FRN 722968). Any regulated advice or arranging is done by the principal, not Lumon Pay. Example: if Lumon Pay refers you to a financial adviser, the advice should come from the principal firm, not from Lumon Pay itself. 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 Lumon Pay’s phone number?
The FCA register lists the phone number 020 4517 3643 for Lumon Pay. If you were given different contact details, use these to check with the firm before going any further.
Is Lumon Pay a scam or clone?
Lumon Pay 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 Lumon Pay?
Protection works through Cycle Solutions (Cycle to Work) Limited, the principal firm responsible for Lumon Pay's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Lumon Pay?
Lumon Pay is owned by Lumon Acquisitions Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 December 2020. Before that, it was controlled by Mrs Phillipa Jane Sherman, Mr Peter Simon Ellis and Mr Thomas Richard Higham.
Who runs Lumon Pay?
Companies House lists 6 directors of Lumon Pay: Michael James Peter England, Leigh Edward Bridger, Jonathan James Guest, Ian McCaig, Nicholas John Haslehurst and Victor Marc Darvey.
How long has Lumon Pay been in business?
The company was formed on 24 March 2004.

Sources and links

The full report on Lumon Pay Ltd

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