Protect and Lend Limited

Reference number: 811665

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

New Leaf Distribution Limited Reference number: 460421 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.
  • Protect and Lend Limited (FRN 811665) is an AR of New Leaf Distribution Limited (FRN 460421). When you use Protect and Lend's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Protect and Lend, 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

    01702 431130

    Also given by a firm that is no longer authorised. Check you are dealing with the firm on this page.

  • Address

    Garfield House, 165-167 High Street, Rayleigh, Essex, SS6 7QA, United Kingdom

In the full report: 2 background checks

  • What kind of line 01702 431130 is, and the 152 other firms that give it
  • Who else gives the postcode SS6 7QA
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Other names (3)

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

  • Equity Gap Trading name
  • Investments and Pensions Trading name
  • Investments and Pensions Limited Former name

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through New Leaf Distribution 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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company name
PROTECT AND LEND LTD
Company number
13941406
Company status
Active
Company type
Private limited company
Incorporated
25 February 2022 (4 years old)
Registered office
165-167 High Street, Rayleigh, SS6 7QA, England
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name Role Born Appointed Other companies
Mark Alan Hobbs Director Apr 1965 25 Feb 2022 12 other companies
Daniel Marcus Hobbs Director Nov 1988 23 Sep 2025 2 other companies

Other companies run by these 2 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
13
closed down
7
is FCA-registered
1

In the full report: all 13 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 28 February 2026Dormant company accountsNot audited

Net assets

£100

Same as £100

These accounts were filed as dormant: the company reported no significant trading in the period.

Net assets

In the full report: all 4 years of accounts

  • Every year from 2023 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 13941406. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Protect and Lend’s history from the FCA register and Companies House, newest first.

Key events (5) All events (11)

2022

8 April 2022

  • Changed its registered name from "Investments and Pensions Limited"

FCA register

25 February 2022

  • Incorporated at Companies House
  • Mark Hobbs took control (75–100% of shares)

Companies House

2021

2 September 2021

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2018

14 June 2018

  • Became an appointed representative

FCA register

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Protect and Lend

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

connected firms
12
share a director
1
share its phone number
11

In the full report: all 12 connected firms, named

  • How each is linked: shared directors (1), the same phone number (11), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Protect and Lend

Other firms of the same type (pension transfer adviser), nearest first.

In Rayleigh

Donna WarrRayleighAppointed representativeGreater London Financial Services LtdRayleighAppointed representativeMistry & Sons LimitedRayleighAppointed representativeResolute Financial Services LtdRayleighAppointed representativeNew Leaf Distribution LimitedRayleighAuthorised

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 Protect and Lend

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

  • 13 other companies its directors have run, named
  • 2 background checks on its contact details
  • 4 years of accounts, charted
  • All 11 events in its history
  • 12 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Protect and Lend Limited FCA authorised?
Protect and Lend Limited (FRN 811665) 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 Protect and Lend?
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. Protect and Lend Limited (FRN 811665) is an AR of New Leaf Distribution Limited (FRN 460421). When you use Protect and Lend's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Protect and Lend, 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 Protect and Lend’s phone number?
The FCA register lists the phone number 01702 431130 for Protect and Lend. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 152 other FCA firms, one of which is no longer authorised.
Is Protect and Lend a scam or clone?
Scammers have impersonated Protect and Lend: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Protect and Lend, shown on this page.
Is my money safe with Protect and Lend?
Protection works through New Leaf Distribution Limited, the principal firm responsible for Protect and Lend's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Protect and Lend?
Companies House lists one person with significant control of Protect and Lend: Mark Hobbs (75–100% of shares).
Who runs Protect and Lend?
Companies House lists 2 directors of Protect and Lend: Mark Alan Hobbs and Daniel Marcus Hobbs.
How long has Protect and Lend been in business?
The company was formed on 25 February 2022.
What do Protect and Lend’s latest accounts show?
Its latest accounts, to 28 February 2026, show net assets of £100 (same as £100).
Does Protect and Lend use any other names?
It trades as Equity Gap and Investments and Pensions. It has previously used the name Investments and Pensions Limited.

Sources and links

The full report on Protect and Lend Limited

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