Scottish Equitable Plc

Reference number: 165548

Instant download

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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
  • Aegon
  • Mylo
  • Retiready

Company details

From the company's Companies House record.

Company number
SC144517
Company status
Active
Company type
Public limited company
Incorporated
14 May 1993 (33 years old)
Registered office
Aegon Lochside Crescent, Edinburgh Park, Edinburgh, EH12 9SE, Scotland
Nature of business
  • Life insurance (SIC 65110)

Current directors and secretaries

Name Role Born Appointed
James Ewing Director Jun 1970 3 Apr 2014
Theresa Patricia Froehlich Director Apr 1966 22 May 2018
Michael Anthony Holliday-Williams Director Jun 1970 8 Jan 2020
Helen Louise Heslop Director Dec 1969 12 Apr 2021
Michael Stuart Davies Director Dec 1966 22 Dec 2021
Christina Margaret Mccomb Director May 1956 22 Jan 2024
Nicholas Blake Director Dec 1965 27 Nov 2024
Michele Bareggi Director Nov 1973 13 May 2025
Amanda Wright Secretary Not published 19 May 2025

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.

Check your FSCS cover →

Show FCA detail (12 permissions)
  • Accepting Deposits
  • Arranging (bringing about) deals in investments
  • Arranging safeguarding and administration of assets
  • Carrying out contracts of insurance
  • Dealing in investments as agent
  • Dealing in investments as principal
  • Effecting contracts of insurance
  • Establishing, operating or winding up a stakeholder pension scheme
  • Establishing/operating/winding up a personal pension scheme
  • Making arrangements with a view to transactions in investments
  • Managing investments
  • Safeguarding and administration of assets (without arranging)

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

Action taken against them, and what customers complained about

1 fine in 2010, £2.7m in total. This is part of the official register record and is worth reviewing before going ahead.

  • Fined £2.7m on 16 December 2010
    On 16 December 2010 the FSA imposed a fine of £2.7m on Scottish Equitable PLC for failing to comply with Principle 3 of the FSA Principles for Businesses between 2002 and 2010 (the Relevant Period). During the Relevant Period the conduct of Scottish Equitable PLC fell below the standards expected under the regulatory system because it failed to take reasonable care to organise and control its affairs responsibly and effectively and failed to ensure that effective internal governance arrangements were in place to enable it to manage and monitor the risks its customers were exposed to in a number of areas in breach of the provisions of the Financial Services and Markets Act 2000 (the Act).

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
  • AEGON

Complaints record

In January–June 2025, the Financial Ombudsman Service received 286 new complaints about this firm, and upheld 50% of the ones it decided.

That is above the 31% median for the firms the Ombudsman reports on.

  • Pensions 276
  • Investments 10

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is Scottish Equitable Plc FCA authorised?
Yes, Scottish Equitable Plc (FRN 165548) is authorised by the FCA to carry out regulated activities.
Is my money safe with Scottish Equitable?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Scottish Equitable to the Financial Ombudsman Service, free of charge.
Is Scottish Equitable a scam or clone?
Scottish Equitable 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 Scottish Equitable's Firm Reference Number (FRN)?
Scottish Equitable's FRN is 165548. You can verify it on the FCA register.