ESPC (UK) Ltd

Reference number: 498042

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Appointed representative

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

Responsible principal firm

Lyncombe Consultants Limited Reference number: 618025 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.
  • ESPC (UK) Ltd (FRN 498042) is an AR of Lyncombe Consultants Limited (FRN 618025). When you use ESPC (UK)'s services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from ESPC (UK), 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.

Identity

Check their details

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.

Also trades as
  • ESPC Mortgages

Company details

From the company's Companies House record.

Company name
ESPC (UK) LIMITED
Company number
SC203585
Company status
Active
Company type
Private limited company
Incorporated
3 February 2000 (26 years old)
Registered office
27 George Street, Edinburgh, EH2 2PA, Scotland
Nature of business
  • Other professional, scientific and technical activities not elsewhere classified (SIC 74909)

Current directors and secretaries

Name Role Born Appointed
Paul Hilton Director Nov 1966 29 Oct 2013
Claire Louise Morgan Director Mar 1973 26 Nov 2019
Peter Ronald Rutherford Sturrock Director Jul 1967 1 Oct 2021
Ben Daniel Cook Director Dec 1975 1 Jan 2022
Bruce Spence Director Feb 1964 1 Jan 2023
Caitlin Mary Keegan Director Oct 1980 27 Nov 2024
Jill Shaw Andrew Director Jul 1972 27 Nov 2024
Louisa Raistrick Director Sep 1979 1 Jan 2026
Claire Macphail Director Jun 1973 1 Jul 2026
Bruce Spence Secretary Not published 26 Feb 2004

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Lyncombe Consultants 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: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

Names it no longer trades under

This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired name
  • ESPC Money Management

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Common questions

Frequently asked questions

Is ESPC (UK) Ltd FCA authorised?
ESPC (UK) Ltd (FRN 498042) 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 ESPC (UK)?
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. ESPC (UK) Ltd (FRN 498042) is an AR of Lyncombe Consultants Limited (FRN 618025). When you use ESPC (UK)'s services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from ESPC (UK), 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.
Is my money safe with ESPC (UK)?
Protection works through Lyncombe Consultants Limited, the principal firm responsible for ESPC (UK)'s regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is ESPC (UK) a scam or clone?
ESPC (UK) is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is ESPC (UK)'s Firm Reference Number (FRN)?
ESPC (UK)'s FRN is 498042. You can verify it on the FCA register.