SCOTTISH WIDOWS LIMITED
Reference number: 181655
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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.
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Verified website
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Verified phone number
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Verified address
New Uberior House, 11 Earl Grey Street, Edinburgh, Edinburgh, City Of, EH3 9BN, United Kingdom
Also trades as 6 other names
- Bank of Scotland
- Clerical Medical
- Halifax
- Halifax Financial Services
- Lloyds
- Lloyds Bank
Company details
From the company's Companies House record.
- Company number
- 03196171
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 2 May 1996 (30 years old)
- Registered office
- 25 Gresham Street, London, EC2V 7HN, United Kingdom
- Nature of business
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- Life insurance (SIC 65110)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Christopher John George Moulder | Director | Feb 1958 | 12 Jun 2017 |
| Gayle Elaine Schumacher | Director | May 1959 | 24 Jul 2019 |
| William Leon David Chalmers | Director | Jul 1968 | 9 Aug 2019 |
| Chirantan Barua | Director | Nov 1973 | 31 May 2023 |
| Matthew Hilmar Cuhls | Director | Aug 1974 | 1 Jan 2024 |
| Shingirai Thaddeus Nyahasha | Director | Jan 1974 | 15 Jan 2024 |
| Kirstine Ann Cooper | Director | Aug 1964 | 1 Mar 2024 |
| Paul Gerard Mcnamara | Director | Sep 1966 | 2 Sep 2024 |
| Mary Helen Trussell | Director | Jun 1963 | 7 Jul 2025 |
| Dena Jane Brumpton | Director | Dec 1963 | 2 Feb 2026 |
| Danuta Gray | Director | Nov 1958 | 1 Jul 2026 |
| Krishna Venkata Raman | Secretary | Not published | 1 Mar 2026 |
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.
Fake phone numbers (6)
- 0131 507 0050
- 0131 507 0090
- 0131 507 0672
- 0131 507 0701
- 020 4577 2007
- 020 8064 0442
Fake email addresses (11)
- accounts@scottish-widows.net
- clientenquiry@sw-privateservice.com
- complaints@sw-private-client.com
- complaints@swonboarding.com
- enquiry@sw-private-client.com
- enquiry@swapplication.co.uk
- enquiry@swapplication.com
- enquiry@swonboarding.com
- info@scottishwidows-funds.com
- legal@sw-legaldept.com
- newenquiry@sw-application.com
The FCA warning these came from
- Scottish Widows 22 October 2020
Scammers change these details often. Always check the live FCA warning.
Activities and protection
What they can do, and how you are protected
- Hold or safeguard your money FSCS may applyEligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
- Give regulated advice FSCS may applyA claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
- Manage or trade investments FSCS may applyEligible 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 applyEligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
Show FCA detail (13 permissions)
- Accepting Deposits
- Advising on investments (except on Pension Transfers and Pension Opt Outs)
- 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)
Limits on what they may do
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Access to the electoral register
The firm shall access the full electoral register, where this is the most cost-effective way of verifying identity for anti-money laundering purposes and will not prejudice the interests of the customer, in order to carry out the current customer review exercise.
Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Track record
What customers have complained about
Previously registered as
The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.
- Clerical Medical Investment Group Limited
Complaints record
In January–June 2025, the Financial Ombudsman Service received 325 new complaints about this firm, and upheld 42% of the ones it decided.
That is above the 31% median for the firms the Ombudsman reports on.
- Pensions 237
- Insurance 44
- Investments 41
A bigger firm receives more complaints simply because it has more customers. FOS complaints data →
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Common questions