The Five Lamps Organisation

Reference number: 656112

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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

  • When conduit.org.uk first appeared online, and whether it can receive email
  • What kind of line 0300 111 0556 is
  • Who else gives the postcode TS17 6LS
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Other names (8)

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

  • Conduit Trading name
  • Five Lamps Trading name
  • Five Lamps Organisation Trading name
  • www.fivelamps.org.uk Trading name
  • Conduit Scotland Former trading name
  • Five Lamps Trading Former trading name
  • Hull Money Former trading name
  • Northumberland Money Former trading name

The firm, by virtue of its constitution or any enactment, must be:(i) required (after payment of outgoings) to apply the whole of its income and any capital it expends for charitable or public purposes, and (ii) prohibited from directly or indirectly distributing amongst its members any part of its assets (otherwise than for charitable or public purposes); And the firm must not have any associate (other than a not-for profit debt advice body) which carries on debt adjusting or debt counselling or providing credit information services.)

FCA permissions and consumer protection

  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (4 permissions)
  • Administering a regulated mortgage contract
  • Credit Broking
  • 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

  • Five Lamps Organisation – VREQ (Pause on New Lending, Non-promotion) - Effective 6 May 2026
    1. The Firm must not enter into any new regulated credit agreements, nor vary, increase, or extend any existing regulated credit facilities, without the prior written consent of the FCA 2. The Firm must cease publishing all financial promotions until these Requirements have been lifted by the Authority. 3. For the avoidance of doubt, this restriction does not prevent the Firm from continuing to service and administer their existing loan book in the ordinary and proper course of business.
  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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.

Concerns on the company record

  • Accounts are overdue at Companies House.
Company number
02441319
Company status
Active
Company type
Private company limited by guarantee
Incorporated
9 November 1989 (36 years old)
Registered office
Eldon Street, Thornaby, Stockton-On-Tees, TS17 7DJ
Nature of business
  • Other information service activities not elsewhere classified (SIC 63990)

Directors and company secretaries

Name Role Born Appointed Other companies
Patricia Chambers Director Apr 1956 24 Aug 2010 1 other company
Vivienne Jane Holmes Director Sep 1967 28 Sep 2010 5 other companies
Trevor George Watson Director Jan 1946 25 Jan 2012 2 other companies

Other companies run by these 3 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
8
closed down
3
is FCA-registered
1

In the full report: all 8 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • All 44 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2024Full accountsAudited

Net assets

£6.99m

No earlier figure to compare

Cash at bank

£409k

No earlier figure to compare

Employees (average)

120

No earlier figure to compare

Owed within a year

£247k

No earlier figure to compare

Its next accounts are overdue at Companies House.

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 02441319. 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

The Five Lamps Organisation’s history from the FCA register and Companies House, newest first.

Key events (6) All events (103)

2026

6 May 2026

  • FCA imposed a requirement (Five Lamps Organisation – VREQ (Pause on New Lending, Non-promotion) - Effective 6 May 2026)

FCA register

2015

26 August 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not for profit firm)
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

1989

9 November 1989

  • Incorporated at Companies House

Companies House

In the full report: all 103 events

  • All 103 events in its history (6 shown here)
  • Every director appointment and resignation: 83
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Firms connected to The Five Lamps Organisation

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

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like The Five Lamps Organisation

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

In Stockton-On-Tees

Joslin Rhodes Lifestyle Financial Planning LimitedStockton-on-TeesAuthorisedRamsdens Financial LimitedStockton-On-TeesAuthorisedSimon CollinStockton-on-TeesAuthorisedBusby A LimitedStockton-On-TeesAuthorisedHutchinson D LimitedStockton-on-TeesAuthorisedShepherd M LimitedStockton-on-TeesAuthorised

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 Five Lamps Organisation

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

  • 8 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 103 events in its history

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Frequently asked questions about this firm

Is The Five Lamps Organisation FCA authorised?
Yes, The Five Lamps Organisation (FRN 656112) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2015 and works as a lender. The FCA has placed 2 limits on what it may do.
What is The Five Lamps Organisation’s phone number and website?
The FCA register lists the phone number 0300 111 0556 and the website conduit.org.uk for The Five Lamps Organisation. If you were given different contact details, use these to check with the firm before going any further.
Is The Five Lamps Organisation a scam or clone?
The Five Lamps Organisation 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 Five Lamps Organisation?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about The Five Lamps Organisation to the Financial Ombudsman Service, free of charge.
Who runs The Five Lamps Organisation?
Companies House lists 3 directors of The Five Lamps Organisation: Patricia Chambers, Vivienne Jane Holmes and Trevor George Watson.
How long has The Five Lamps Organisation been in business?
The company was formed on 9 November 1989, and has held its current FCA authorisation since August 2015.
What do The Five Lamps Organisation’s latest accounts show?
Its latest accounts, to 30 September 2024, show net assets of £6.99m (no earlier figure to compare) and cash at bank of £409k (no earlier figure to compare). Its accounts are overdue at Companies House.
Does The Five Lamps Organisation use any other names?
It trades as Conduit, Five Lamps, Five Lamps Organisation and www.fivelamps.org.uk. It has previously used 4 other names, including Conduit Scotland, Five Lamps Trading and Hull Money.

Sources and links

The full report on The Five Lamps Organisation

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