On the register, but not FCA authorised
This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.
What does this mean?
- Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
- What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
- It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
- So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.
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.
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No website on the FCA register
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No phone number on the FCA register
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Address
16 St. John's Lane, London, EC1M 4BS, United Kingdom
In the full report: 1 background check
- Who else gives the postcode EC1M 4BS
Other names (1)
If you were contacted under any of these names, it is this firm.
- Lumora Capital Trading name: A name it trades under now.
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
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
- 16651308 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 August 2025 (1 year old)
- Registered office
- 16 St. John's Lane, London, EC1M 4BS, England
- Nature of business
-
- Other credit granting not elsewhere classified (SIC 64929)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Sivaraja Sivanesan | Director | Nov 1983 | 14 Aug 2025 | 2 other companies |
| Jennifer Anne Cruickshank | Director | Aug 1978 | 19 Nov 2025 | None |
| Karan Girish Doshi | Director | Aug 1983 | 19 Nov 2025 | None |
| Piragash Sivanesan | Director | Oct 1979 | 19 Nov 2025 | None |
Other companies run by these 4 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
- 2
- still active
- 2
In the full report: all 2 companies, named
- What each company does, and whether it is still trading
- Which of these 4 directors sit on each board, and since when
- Any that went into liquidation or administration
Key dates in its history
Lumora Capital Solutions’s history from the FCA register and Companies House, newest first.
2026
1 May 2026
- Registered with the FCA
FCA register
2025
14 August 2025
- Incorporated at Companies House
- Karan Girish Doshi became a part-owner (25–50% of shares)
- Piragash Sivanesan became a part-owner (25–50% of shares)
- Sivaraja Sivanesan became a part-owner (25–50% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (5 shown here)
- Every director appointment and resignation: 4
Firms connected to Lumora Capital Solutions
Other FCA-listed firms that share a director, phone number or address with Lumora Capital Solutions. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Get the full report on Lumora Capital Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 1 background check on its contact details
- All 10 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Lumora Capital Solutions Limited FCA authorised?
Is Lumora Capital Solutions a scam or clone?
Is my money safe with Lumora Capital Solutions?
Who owns Lumora Capital Solutions?
Who runs Lumora Capital Solutions?
How long has Lumora Capital Solutions been in business?
Does Lumora Capital Solutions use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk