In the singular, this is a term more commonly slurred by drunken idiots- ie "You, eh? Eh!! You don'even wannave a go at Mick, you'll get your'ed ripped off, right?? Eh!! He's fnard! Harder n you!!" In this instance, the words "fucking" and "hard" have been run together.
In the plural, the term is used to describe the chubby, thigh chafed bollocks of those men who can't find high street trousers that do up around their sagging beer gut. Fat nards. Fnards.
Geoff flopped gratefully down on the nudist beach; ignoring the horrified stares of the beautiful people he opened his legs and aired his fnards.
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