Mrs Patricia Atkinson, Mrs Michelle Ludlow & Mr David Ludlow

Reference number: 408412

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Appointed representative

the Ludlow partnership 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

Bspoke Lifestyle Ltd Reference number: 820727 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.
  • Mrs Patricia Atkinson, Mrs Michelle Ludlow & Mr David Ludlow (FRN 408412) is an AR of Bspoke Lifestyle Ltd (FRN 820727). When you use the Ludlow partnership's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from the Ludlow partnership, 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.

In the full report: 3 background checks

  • When dolphinpark.co.uk first appeared online, and whether it can receive email
  • What kind of line 01278 751258 is
  • Who else gives the postcode TA8 2QY
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Other names (2)

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

  • Dolphin Caravan Park Trading name
  • Mrs P Atkinson, Mrs MF Ludlow and Mr D Ludlow Former name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Bspoke Lifestyle Ltd, 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

The Ludlow partnership’s history from the FCA register and Companies House, newest first.

2025

30 March 2025

  • Changed its registered name from "Mrs P Atkinson, Mrs MF Ludlow and Mr D Ludlow"

FCA register

2019

24 September 2019

  • Changed its registered name from "Dolphin Caravan Park"
  • Began trading as "Dolphin Caravan Park"

FCA register

2005

14 January 2005

  • Became an appointed representative

FCA register

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

Firms like the Ludlow partnership

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

In Brean

Beachside Holiday Park LimitedBreanAppointed representative

In the Taunton (TA) postcode area

Goss Health LtdTauntonAppointed representativeSomerset Healthcare LimitedTauntonAppointed representativeAcurisk LimitedWellingtonAppointed representativeBespoke Risk Solutions LtdBarton St DavidAppointed representativeBrit Life LtdTauntonAppointed representative

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 the Ludlow partnership

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

  • 3 background checks on its contact details
  • All 4 events in its history

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Frequently asked questions about this firm

Is Mrs Patricia Atkinson, Mrs Michelle Ludlow & Mr David Ludlow FCA authorised?
Mrs Patricia Atkinson, Mrs Michelle Ludlow & Mr David Ludlow (FRN 408412) 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 the Ludlow partnership?
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. Mrs Patricia Atkinson, Mrs Michelle Ludlow & Mr David Ludlow (FRN 408412) is an AR of Bspoke Lifestyle Ltd (FRN 820727). When you use the Ludlow partnership's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from the Ludlow partnership, 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 the Ludlow partnership’s phone number and website?
The FCA register lists the phone number 01278 751258 and the website dolphinpark.co.uk for the Ludlow partnership. If you were given different contact details, use these to check with the firm before going any further.
Is the Ludlow partnership a scam or clone?
the Ludlow partnership 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 the Ludlow partnership?
Protection works through Bspoke Lifestyle Ltd, the principal firm responsible for the Ludlow partnership's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Does the Ludlow partnership use any other names?
It trades as Dolphin Caravan Park. It has previously used the name Mrs P Atkinson, Mrs MF Ludlow and Mr D Ludlow.

Sources and links

The full report on Mrs Patricia Atkinson, Mrs Michelle Ludlow & Mr David Ludlow

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