Bank of Scotland PLC

Reference number: 169628

Instant download

Scammers have impersonated this firm. The FCA has published 7 warnings naming the fake phone numbers, emails and websites they used. See the warnings →

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 bankofscotland.co.uk first appeared online, and whether it can receive email
  • What kind of line 0345 300 0000 is, and the other firm that gives it
  • Who else gives the postcode EC2N 1HZ
Instant PDF download
Other names (253)

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

  • Automobile Association Personal Finance Trading name
  • Bank of Scotland Private Banking Trading name
  • Birmingham Midshires Trading name
  • BM Savings Trading name
  • BM Solutions Trading name
  • Halifax Trading name
  • Intelligent Finance Trading name
  • Lloyds Trading name
  • Lloyds Bank Trading name
  • The Governor and Company of the Bank of Scotland Former name
  • 600 Group Finance Former trading name
  • AA Account Former trading name
  • AA Financial Services Former trading name
  • AA Visa Former trading name
  • AA Visa Card Former trading name
  • Accountancy Business Services Former trading name
  • ACTIVATE Member Loan Former trading name
  • Admiral Former trading name
  • Agtek approach Former trading name
  • Ambrose Wilson personal Advance Former trading name
  • AOP Professional Advance Former trading name
  • Arun estates Former trading name
  • Auto by Tel. Co. UK Business Finance Former trading name
  • Auto by Tel. Co. UK Motor Finance Former trading name
  • Auto by Tel Motor Finance Former trading name
  • Bank of Scotland Asset Finance Former trading name
  • Bank of Scotland Dealer Finance Former trading name
  • Bank of Scotland Direct Former trading name
  • Bank of Scotland International Former trading name
  • Bank of Scotland Investment Service Former trading name
  • Bank of Scotland Investors Club Former trading name
  • Bank of Scotland Ireland Former trading name
  • Bank of Scotland Management Ireland Former trading name
  • Bank of Scotland Marine Finance Former trading name
  • Bank of Scotland Mortgages Former trading name
  • Bank of Scotland Preference Account Former trading name
  • Bank Of Scotland Treasury Former trading name
  • Bank of Scotland Trustee Services Former trading name
  • Bank of Scotland Vehicle Finance Former trading name
  • Bank of Scotland Vehicle Management Former trading name
  • Bank of Wales Former trading name
  • Birmingham Midshires (BM Savings) Former trading name
  • Birmingham Midshires Mortgages Former trading name
  • birmingham midshires personal loan Former trading name
  • Black & White Former trading name
  • BLS Collections Former trading name
  • BMA professional Advance Former trading name
  • BOCM Pauls Excel Former trading name
  • Bradford & Bingley Former trading name
  • Bright Grey Former trading name
  • British Gas Former trading name
  • British Gas Financial Services Former trading name
  • British Gas Reserve Former trading name
  • Brown Bulletin Harvest Plan Former trading name
  • Burgess Flexible Options Former trading name
  • BVA Professional Advance Former trading name
  • Canded Former trading name
  • Capital Bank Former trading name
  • Capital Bank Agriculture Former trading name
  • Capital Bank Business Finance Former trading name
  • Capital Bank Corporate Former trading name
  • Capital Bank Direct Former trading name
  • Capital Bank Extra Former trading name
  • Capital Bank Group Former trading name
  • Capital Bank Leisure Former trading name
  • Capital Bank Marine Former trading name
  • Capital Bank Motor Former trading name
  • Capital Bank Motor Cycle Finance Former trading name
  • Capital Bank Vehicle Management Former trading name
  • Captial Bank Motocycles Former trading name
  • Caravan Finance Former trading name
  • Carbon Card Services Former trading name
  • Cargile Concept Former trading name
  • Cargile Three Six Five Former trading name
  • Cargill Concept  Former trading name
  • Cargill Three Six Five Former trading name
  • Carrs Finance 2000 Former trading name
  • Choice Lifestyle Former trading name
  • Choice Lifestyle Preference Account Former trading name
  • Classic Combination Former trading name
  • Clob Professional Advance Former trading name
  • Colleys Former trading name
  • Colleys Professional services Former trading name
  • Commerical Union Personal Loan Former trading name
  • Connections Former trading name
  • Corgi Vehicle Finance Former trading name
  • Countrywide Assured Former trading name
  • Crane Credit Former trading name
  • Creation Financial Services Former trading name
  • Creation Financial Services Person Loan Former trading name
  • Credit Care Former trading name
  • Creditor and General Former trading name
  • Daewoo Truck Finance Former trading name
  • Dalgety Gold Account Former trading name
  • Dealer Finance Former trading name
  • Diners Club Personal Advance Former trading name
  • Dunfermline personal advance Former trading name
  • Dunfermline Personal Loan Former trading name
  • Empire Former trading name
  • Equine Finance Former trading name
  • Eubos Former trading name
  • Farmloan Former trading name
  • Fashion World Personal Advance Former trading name
  • Ferrari Financial Services Former trading name
  • Ferrari Maserati Direct Former trading name
  • Ferrari Maserati Financial Services Former trading name
  • Field Care Agri Flex Former trading name
  • Fifty Plus Former trading name
  • Financial Benefits Direct Former trading name
  • Finax Former trading name
  • Finax Direct Former trading name
  • Finax First Former trading name
  • first financial Former trading name
  • first retail finance Former trading name
  • first retail finance perference account Former trading name
  • Fort Gold Advance Former trading name
  • Forthright Finance Direct Former trading name
  • Freemans Former trading name
  • Glus Lifestyle Former trading name
  • Glus Lifestyle perference account Former trading name
  • Gold fish Former trading name
  • Gold Reserve Former trading name
  • gratten Former trading name
  • Gus Finance Ltd Former trading name
  • H2X Former trading name
  • Halifax UK Former trading name
  • HBOS card services Former trading name
  • HBOS personal lending Former trading name
  • Hitachi Former trading name
  • Hitachi Seiki Finance Former trading name
  • Homag finance Former trading name
  • Home Choice Former trading name
  • Home Shopping Personal Finance Former trading name
  • home shopping personal finance perference account Former trading name
  • Hutchinsons Spectrum Former trading name
  • Hydro Longship Finance Former trading name
  • IAM Member Loan Former trading name
  • ICAEW Member Loan Former trading name
  • IF Former trading name
  • IFE Member Loan Former trading name
  • IHSM Member Loan Former trading name
  • IIA Member Loan Former trading name
  • IMC Member Loan Former trading name
  • Inchcape Financial Services Preference Account Former trading name
  • Intelligent Finance (IF) Former trading name
  • International Motors Finance Preference Account Former trading name
  • IOC Member Loan Former trading name
  • IOD Director Loan Former trading name
  • ISMM Member Loan Former trading name
  • ISTC Member Loan Former trading name
  • JD Williams Former trading name
  • J & J Collections Former trading name
  • Kaleidolscope Former trading name
  • Kays Lifestyle Former trading name
  • Kays Lifestyle Preference Account Former trading name
  • key loan Former trading name
  • Komatsu Finance Former trading name
  • KPM Finance Former trading name
  • LDF Professions Former trading name
  • lifestyle loan glus home shopping Former trading name
  • Lifestyle Loan Kays Former trading name
  • Lloyds Bank Corporate Markets Former trading name
  • Lloyds Bank International Former trading name
  • Lloyds TSB Former trading name
  • Lloyds TSB Corporate Markets Former trading name
  • Lloyds TSB International Former trading name
  • Look Again Former trading name
  • Marbles (New Day) Former trading name
  • Marshall Ward Preference Account Former trading name
  • Marubeni Komastu Finance Former trading name
  • Marubeni Komatsu Construction Equipment Finance Former trading name
  • Marubeni Komatsu Construction Finance Former trading name
  • Maserati Financial Services Former trading name
  • masstock elite Former trading name
  • Maxcar Finance Preference Account Former trading name
  • Membership Sevices Finance Former trading name
  • MG Rover Contracts Former trading name
  • MG rover finance Former trading name
  • MHA Collections Former trading name
  • MH finance Former trading name
  • Morgan Financial Services Former trading name
  • my travel co Former trading name
  • my travel financial services Former trading name
  • NFUM Mutual Finance Former trading name
  • NFUM Revolving Machinery Account Former trading name
  • NFU Mutual Finance Former trading name
  • noble finance Former trading name
  • norwich union Former trading name
  • norwich union direct Former trading name
  • NPA Professional Advance Former trading name
  • N Power Financial Services Former trading name
  • One Stop Vehicles Former trading name
  • Online Finance Former trading name
  • Onus Account Services Former trading name
  • paramount bank Former trading name
  • Peoples Choice Former trading name
  • performance direct Former trading name
  • Performance Direct Personal Loan Former trading name
  • Perodua Financial Services Former trading name
  • Personal Advance Former trading name
  • pet plan equine finance Former trading name
  • Portman Former trading name
  • preference Former trading name
  • preference account Former trading name
  • premier man Former trading name
  • prestige Former trading name
  • Pru Protect Former trading name
  • RAOD Member Loan Former trading name
  • RCI Hightlife Personal Advance Former trading name
  • readers digest Former trading name
  • Reflex Account Former trading name
  • RFS Preference Account Former trading name
  • RICS Professional Advance Former trading name
  • Royal London Former trading name
  • Ryland Financial Services Former trading name
  • Sainsbury's Bank Drive Former trading name
  • scotgrain premier Former trading name
  • Scottish Amicable Former trading name
  • scottish gas Former trading name
  • scottish gas reserve Former trading name
  • select benefits Former trading name
  • shoe taylor Former trading name
  • simplybe Former trading name
  • Solicitor Professional Advance Former trading name
  • spectrum Former trading name
  • Spectrum Cheque Account Former trading name
  • spectrum mortgages Former trading name
  • Ssangyong Financial Services Former trading name
  • sterling visa Former trading name
  • St James's Place Bank Former trading name
  • St James's Place Private Bank Former trading name
  • Stockcash Former trading name
  • Stockflow Former trading name
  • tata financial services Former trading name
  • telegraph Former trading name
  • The Account Management Centre Former trading name
  • The Exclusive Card Former trading name
  • The Professional Business Centre Former trading name
  • the store personal loans Former trading name
  • TVR Financial Services Former trading name
  • TVR Reflex Former trading name
  • UK Personal Finance Former trading name
  • Values Former trading name
  • West Bromwich BS Former trading name
  • whale finance Former trading name
  • winter thur Former trading name
  • www.bankofscotlandbusiness.co.uk Former trading name
  • www.bankofscotland.co.uk/corporate Former trading name
  • www.bankofscotlandpc.co.uk Former trading name
  • www.if.com Former trading name
  • www.lloydsbankwholesale.com Former trading name
  • www.sjbank.co.uk Former trading name
  • Yourautochoicefinance Former trading name

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 (11)
  • 020 3468 3551
  • 020 3744 2300
  • 020 3890 5344
  • 020 4519 0560
  • 020 7082 5556
  • 020 7183 5405
  • 020 7190 9599
  • 020 7190 9635
  • 020 7557 2223
  • 020 8146 8561
  • 020 8146 9127
Fake email addresses (9)
  • accounts@freemans-online.com
  • compliance@capital-bank-finance.com
  • info@aopprofessionaladvance.com
  • info@capital-bank-finance.com
  • info@capitalbank-finance.com
  • info@clobprofessionaladvance.com
  • info@fortgoldadvance.com
  • info@kpm-finance.com
  • info@ldf-professions.com
Fake websites (10)
  • aopprofessionaladvance.com
  • capital-bank-finance.com
  • capital-bank-finance.net
  • capitalbank-finance.com
  • clobprofessionaladvance.com
  • fortgoldadvance.com
  • info.freemans-online.com
  • kpm-finance.com
  • ldf-professions.com
  • secure.freemans-online.com
The 7 FCA warnings these came from

Scammers change these details often. Always check the live FCA warning.

FCA permissions and consumer protection

  • 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.
  • Give regulated advice FSCS may apply
    A 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 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.
  • 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 (32 permissions)
  • Accepting Deposits
  • Acting as a CBTL administrator
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Arranging safeguarding and administration of assets
  • Assisting in the administration and performance of a contract of insurance
  • Causing dematerialised instructions to be sent
  • Credit Broking
  • Dealing in investments as agent
  • Dealing in investments as principal
  • Debt Adjusting
  • Debt Administration
  • Debt-collecting
  • Debt-counselling
  • Entering into a regulated mortgage contract as lender
  • 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)
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Managing investments
  • Providing Credit Information Services
  • Providing Targeted Support
  • Safeguarding and administration of assets (without arranging)
  • Sending dematerialised instructions

Limits on what they may do

  • RFB sub-groups
    TO: Lloyds Bank PLC (FRN 119278) Bank of Scotland plc (FRN 169628) (each a 'firm') WRITTEN NOTICE TAKE NOTICE: The Prudential Regulation Authority of 20 Moorgate, London, EC2R 6DA has decided to take the following action. 1. ACTION Following an application received from each firm pursuant to section 55M(5)(a) of FSMA for the imposition of the requirements, the PRA has decided to grant the application. 2. CONSTITUTION OF THE RFB SUB-GROUP The sub-consolidation group comprises the entities within the scope of consolidation referred to in paragraph 3(a) of this notice. 3. REQUIREMENTS UNDER S. 55M FSMA (a) Pursuant to Article 11(6) of the CRR, each firm must comply with Parts Two and Three of CRR, and CRD UK law which implemented Title 7, Chapter 4 of CRD on the basis of the consolidated situation of Lloyds Bank plc. (b) Each firm must immediately notify the PRA of: (i) any change proposed by the firm to the composition of the sub-consolidation group; (ii) any sub-consolidation group member carrying on or intending to carry on a new activity or materially changing the nature or extent of an existing activity which, if the entity were a ring-fenced body, would be an excluded activity under section 142D of FSMA and the Excluded Activities Order or would contravene a prohibition under section 142E of FSMA and the Excluded Activities Order; (iii) any failure to meet the requirements; or (iv) any change in circumstances likely to affect the ability of the firm to meet the requirements. (c) Each firm must be capable of demonstrating to the PRA that the requirements are met. 4. INTERPRETATION Interpretative provisions (including definitions in the Glossary) of the PRA Rulebook apply to the requirements. 5. EFFECTIVE DATE This written notice takes effect from 1 January 2024 and ceases to have effect on 1 September 2028. 6. DECISION-MAKER The decision to give this notice was made by Anna Ghobadian-Grinham on behalf of the PRA. This application has been granted in consultation with the FCA. This notice will be published on the Financial Services Register. ANNEX 1 Definitions Excluded Activities Order: means the Financial Services and Markets Act 2000 (Excluded and Prohibited Activities) Order 2014. firm means: each of Lloyds Bank plc and Bank of Scotland plc. Requirements mean: the requirements in paragraph 3 of this notice.
  • 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.
  • Certain Halifax mortgage contract customer program
    This requirement came into effect on 21 February 2011 and was modified (as indicated with tracked changes) on 11 November 2011. It requires the firm to establish and put in place a defined programme which may affect some customers (or some former customers) who entered into a Halifax mortgage contract on the basis of a mortgage offer that was issued between 15 February 2001 and 16 September 2007. It also provides for certain complaints to be dealt with by the ombudsman as described in this requirement. Full details of the requirement, including details of relevant customers and the programme can be found on the FSA's website under 'Miscellaneous documents' - http://www.fsa.gov.uk/pubs/other/vvop.pdf
  • Requirements for Ar.325 permission- 1800765
    1.The firm is required to notify the PRA as soon as is possible of any change of circumstances likely to jeopardise compliance with Article 325. 2.The firm is required to maintain any contractual arrangements underpinning satisfaction of 325(2)(b).

FCA disciplinary action and Ombudsman complaints

FCA action

actions
11
in fines
£374.0m
most recent
June 2020
  • Fined £64.05m on 11 June 2020
    The FCA has taken enforcement action against Lloyds Bank PLC, Bank of Scotland plc, and The Mortgage Business Plc (“the Banks”) because between 7 April 2011 and 21 December 2015 (the “Relevant Period”), the Banks breached Principles 3 and 6 of the Authority’s Principles for Businesses. As a consequence of this action, the Banks received a financial penalty of £64,046,800 pursuant to section 206 of the Act. The Banks agreed to resolve all issues of fact and liability and qualified for a 30% discount under the Authority’s executive settlement procedures. Were it not for this discount, the Authority would have imposed a financial penalty of £91,495,400 on the Banks.     The FCA’s action took effect on 11 June 2020 and a copy of the Final Notice is displayed on the FCA’s web site.
  • Fined £45.5m on 21 June 2019
    On 21 June 2019, the FCA has fined Bank of Scotland Plc (BOS). The reason for this action is because the Firm contravened Principle 11 (Relations with regulators) by failing to be open and cooperative in its communications with the Authority in relation to BOS’s suspicions that fraud may have taken place within its London and South East Regional Impaired Assets office headquartered in Reading (IAR) between 3 May 2007 to 16 January 2009. A serious control breakdown was discovered in early 2007 by BOS in IAR. The Director of IAR in the region, Lynden Scourfield, had been sanctioning limits and additional lending facilities beyond the scope of his authority undetected for at least three years. By 3 May 2007, BOS had identified suspicious conduct, including suspicions of fraud. On a number of occasions during the Relevant Period, internal reports within BOS referred to the issues that had been identified as the `Reading fraud’. However, it was not until July 2009, that BOS provided the Authority with full disclosure in relation to its suspicions and the report of the investigation that it had conducted. As a consequence of this action, the FCA has imposed a financial penalty of £45,500,000 (£65,000,000 pre-stage 1 discount) The FCA’s action took effect on 21 June 2019 and a copy of the Final Notice is displayed on the FCA's web site.
  • Fined £117.43m on 5 June 2015
    On 4 June 2015, the Authority imposed a financial penalty of £117,430,600 on Lloyds Bank plc, Bank of Scotland plc and Black Horse Limited (LBG) for breaches of Principle 6 (Customers' interests) of the Authority's Principles for Businesses (the Principles). LBG agreed to settle at an early stage of the Authority's investigation. LBG therefore qualified for a 30% (Stage 1) discount under the Authority's executive settlement procedures. Were it not for this discount, the Authority would have imposed a financial penalty of £167,758,035 on LBG. Between 5 March 2012 and 28 May 2013 (the Relevant Period) LBG breached Principle 6 by failing to pay due regard to the interests of its customers, and by failing to treat them fairly when handling complaints from customers who had purchased Payment Protection Insurance ('PPI'). During the Relevant Period LBG assessed customer complaints relating to in excess of 2.3 million PPI policies and rejected 37% of those complaints. In particular: (a) LBG's complaint assessment process included guidance to complaint handlers which directed them to assume that LBG's PPI sales processes were 'compliant and robust', unless notified to the contrary.  This was described to complaint handlers as the 'Overriding Principle'.  The Overriding Principle was unfair to customers because: (i) there was a risk that it created a default assumption that LBG had not mis-sold the PPI policy that an individual customer was complaining about; (ii) customers may not have had the opportunity to provide evidence to enable the complaint handler to reach a fair outcome; and (iii) in some situations it affected the judgements made by complaint handlers who relied on it to rebut credible customer testimony and to not fully investigate customer complaints. (b) LBG failed to take into account information about Sales Process Failings identified from Root Cause Analysis when assessing complaints.  This was unfair to customers because it meant: (i) LBG failed to give balanced consideration to all available evidence; and (ii) the unfair effects of the Overriding Principle were compounded because this evidence was not available to complaint handlers to counter the assumption, created by the Overriding Principle, that LBG had not mis-sold the PPI policy that an individual customer was complaining about. (c) Where LBG complaint handlers relied on the Overriding Principle to reject customer complaints instead of investigating the actual circumstances of the complaint, there was a risk that the final decision letters did not accurately reflect the complaint handler's assessment of the complaint and reasons for the rejection.  This was unfair as it may have dissuaded some customers with valid complaints from providing further information to LBG to challenge the decision, or referring their complaint to the Financial Ombudsman Service. (d) The above failings resulted in a significant number of customer complaints being unfairly rejected. A copy of the Final Notice is displayed on the Authority's web site and can be accessed.
  • +8 more actions

In the full report: all 11 FCA actions

  • The other 8, with their dates and amounts
  • What the FCA found in each, in its own words
Instant PDF download

Ombudsman complaints

new complaints, January–June 2025
2,932
upheld, against a 31% median
30%
about banking and credit
2,518

A bigger firm gets more complaints simply because it has more customers.

Customer compensation schemes

The FCA has ordered this firm to review past sales and pay back customers who lost out.

  • January 2015 To address possible selling issues affecting customers who purchased Card Security Products provided by Affinion International Limited, where the sale (or renewal) of such products was on or after 14 January 2005 and…
  • August 2013 Following a finding of mis-selling against Card Protection Plan Limited ('CPPL'), in respect of those customers who were mis-sold policies.
The FCA's wording
  • Amendment to a consumer redress exercise
    The Requirements became effective on 27 January 2015 and were supplemented on 15 May 2015. The Requirements shall be supplemented as follows: The definition of 'Scheme of Arrangement' at paragraph 1.33 of the Requirements shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 described more particularly in Annex 1 hereto and all references in the Requirements to ”Scheme Document shall be references to the Scheme of Arrangement in Annex 1 hereto. Changes to the Scheme of Arrangement originally appended to the Requirements are highlighted through underlined or struck through text. Paragraph 5.1 of Part 3 of Annex B of the Requirements shall be amended so as to read as follows: If a Scheme Creditor disagrees with the amount of compensation payable to him, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.6 and 4.9 of the Scheme Document. If a Scheme Creditor disagrees with the rejection of his Claim Form by the Scheme Administrators, and provided that the Claim Form was received on or before 15 November 2016, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.8 to 4.10 of the Scheme Document.
  • Amendment to a consumer redress exercise
    The Requirements became effective on 13 August 2013. The Requirements shall be supplemented as follows: The definition of 'Scheme of Arrangement' at paragraph 1.28 of the Requirements shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 as sanctioned by the Court on 14 January 2014 (as subsequently modified in accordance with its terms) and as described more particularly in Annex 1 to this Supplemental Requirement. Changes to the Scheme of Arrangement as appended to Part 1 of Annex C to the Requirements are highlighted through underlined or struck through text. All references in the Requirements to ”Scheme Document shall be references to the Scheme of Arrangement described more particularly in Annex 1 hereto. Paragraph 5.1 of Part 3 of Annex C of the Requirements shall be amended so as to read as follows: If a Scheme Creditor disagrees with the amount of compensation payable to him, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.5 and 4.8 of the Scheme Document. If a Scheme Creditor disagrees with the rejection of his Claim Form by the Scheme Administrators, and provided that the Claim Form was received on or before 22 July 2016, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.7 to 4.9 of the Scheme Document.
  • Amendment to a consumer redress exercise
    Supplemental Requirements 6. The Requirements shall be supplemented as follows: 6.1 A new paragraph 1.21(A) be inserted as follows: 'Extreme Distressed Suppression Population' means Scheme Creditors in respect of whom Schemeco and/or the Scheme Administrators receive a direct communication, in writing or otherwise, from: 1.21(A).1 that Scheme Creditor expressly requesting that no further communication be sent to that Scheme Creditor in connection with the Scheme of Arrangement; or 1.21(A).2 a third party on behalf of a Scheme Creditor stating that the Scheme Creditor is deceased and requesting that no further communication be sent to that Scheme Creditor in connection with the Scheme of Arrangement (provided that the Scheme Administrators are reasonably satisfied that the third party is authorised by law to make such a request on behalf of the Scheme Creditor), and in each case the Scheme Administrators reasonably determine at their discretion on the information available to them that the sending of further communications in connection with the Scheme to the Scheme Creditor will or will be reasonably likely to cause distress or harm.. 6.2 The definition of 'Scheme of Arrangement' at paragraph 1.33 shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 described more particularly in Annex 1 hereto and all references in the Requirements to Scheme Document shall be references to the scheme of arrangement in Annex 1 hereto. Scheme Claims Decisioning Procedures 7. The requirements set out in Annex B to the Requirements be supplemented by inserting a new paragraph 5.2 at Part 3 of Annex B as follows: 5.2 Certain time limits apply where Scheme Creditors wish to initiate the Dispute Resolution Procedure or (as part of the Dispute Resolution Procedure) to refer a dispute to the Scheme Adjudicator. These are set out in Clauses 4.6, 4.8, 4.9 and 7.1 of the Scheme of Arrangement.
  • Firm must undertake a consumer redress exercise
    The firm is required to establish and operate a consumer redress scheme following a finding of mis-selling against Card Protection Plan Limited ('CPPL'), in respect of those customers who were mis-sold policies. 'Policies' (or 'policy') means CPPL's Card Protection Product, where the sale (or renewal) was on or after 14 January 2005 and was before the relevant Amendment Date (as defined in the scheme documentation); and/or CPPL's Identity Protection Product, where the sale (or renewal) was on or after 14 January 2005 and the sale was by telephone. The amount of redress may be calculated to off-set any claims made under the policy. This customer redress scheme must be implemented no later than 30 April 2014. Such consumer redress scheme shall be binding on the Financial Ombudsman Service. Further details are available on the FCA website: www.fca.org.uk
  • Firm must undertake a consumer redress exercise
    The firm is required to establish and operate a consumer redress scheme scheme to address possible selling issues affecting customers who purchased Card Security Products provided by Affinion International Limited, where the sale (or renewal) of such products was on or after 14 January 2005 and was before the relevant Amendment Date (as defined in the scheme documentation). For full terms see the scheme documentation: www.aischeme.co.uk. The amount of redress may be calculated to off-set any insurance claims made under the Card Security Products. This consumer redress scheme must be implemented no later than 31 October 2015. This consumer redress scheme shall be binding on the Financial Ombudsman Service.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
SC327000
Company status
Active
Company type
Public limited company
Incorporated
17 September 2007 (19 years old)
Registered office
The Mound, Edinburgh, EH1 1YZ
Nature of business
  • Banks (SIC 64191)

Directors and company secretaries

Name Role Born Appointed Other companies
Amanda Felicity Mackenzie Director Dec 1963 1 Oct 2018 15 other companies
Sarah Elise Bentley Director Aug 1971 1 Jan 2019 1 other company
Nigel Grant Hinshelwood Director Feb 1966 1 Jan 2019 19 other companies
Brendan Edward Gilligan Director Jun 1956 1 Jan 2019 2 other companies
William Leon David Chalmers Director Jul 1968 1 Aug 2019 20 other companies
Sarah Catherine Legg Director Sep 1967 1 Dec 2019 7 other companies
Catherine Marie Woods Director Sep 1962 1 Mar 2020 5 other companies
Robin Francis Budenberg Director May 1959 1 Oct 2020 4 other companies
Charles Alan Nunn Director Sep 1971 16 Aug 2021 3 other companies
Harmeen Mehta Director Aug 1974 1 Nov 2021 3 other companies
Catherine Lucy Turner Director Jun 1963 1 Nov 2022 14 other companies
Nathan Mark Bostock Director Oct 1960 1 Aug 2024 4 other companies
Christiaan Franciscus Henricus Herman Vogelzang Director Nov 1962 16 Jun 2025 3 other companies
Danuta Gray Director Nov 1958 1 Jul 2026 15 other companies
Kelly Brian Bennett Director Apr 1972 1 Sep 2026 3 other companies
Catharine Lucy Cheetham Secretary Not published 1 Jul 2019 –

Other companies run by these 15 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
70
closed down
12
are FCA-registered
24

In the full report: all 70 companies, named

  • What each company does, and whether it is still trading
  • Which of these 15 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 24 on the FCA register, including 2 no longer authorised
  • The 15 companies these 15 directors run together
  • All 68 people who have ever been directors, with their dates
Instant PDF download

Key dates in its history

Bank of Scotland’s history from the FCA register and Companies House, newest first.

Key events (18) All events (664)

2024

1 January 2024

  • FCA imposed a requirement (RFB sub-groups)

FCA register

2021

30 April 2021

  • FCA warned the public about a scam impersonating this firm

FCA warning list · Companies House

2020

11 June 2020

  • Fined £64.05m by the FCA

FCA register

2019

21 June 2019

  • Fined £45.5m by the FCA

FCA register

2016

6 April 2016

  • Hbos PLC took control (75–100% of shares)

Companies House

2015

5 June 2015

  • Fined £117.43m by the FCA

FCA register

27 January 2015

  • FCA ordered a customer compensation scheme

FCA register

2014

29 October 2014

  • FCA imposed a requirement (Requirements for Ar.325 permission- 1800765)

FCA register

2013

22 August 2013

  • FCA ordered a customer compensation scheme

FCA register

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2011

11 November 2011

  • FCA imposed a requirement (Certain Halifax mortgage contract customer program)

FCA register

2007

17 September 2007

  • Incorporated at Companies House
  • Changed its registered name from "The Governor and Company of the Bank of Scotland"

Companies House · FCA register

2003

3 September 2003

  • FCA imposed a requirement (Access to the electoral register)

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1999

5 March 1999

  • Regulated by the Personal Investment Authority from this date

FCA register

In the full report: all 664 events

  • All 664 events in its history (18 shown here)
  • Every director appointment and resignation: 121
Instant PDF download

Firms connected to Bank of Scotland

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

connected firms
12
share a director
12
share its phone number
1

In the full report: all 12 connected firms, named

  • How each is linked: shared directors (12), the same phone number (1), the same postcode (5)
  • Who links each one: the named directors, with dates
Instant PDF download

Firms like Bank of Scotland

Other firms of the same type (bank or building society), nearest first.

In London

Santander UK PLCLondonAuthorisedMonzo Bank LimitedLondonAuthorisedNational Westminster Bank Public Limited CompanyLondonAuthorisedLloyds Bank PLCLondonAuthorisedBarclays Bank PLCLondonAuthorisedBarclays Bank UK PLCLondonAuthorised

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 Bank of Scotland

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

  • 70 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 664 events in its history
  • 12 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Bank of Scotland PLC FCA authorised?
Yes, Bank of Scotland PLC (FRN 169628) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a bank or building society. The FCA has placed 4 limits on what it may do.
What is Bank of Scotland’s phone number and website?
The FCA register lists the phone number 0345 300 0000 and the website bankofscotland.co.uk for Bank of Scotland. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Bank of Scotland a scam or clone?
Scammers have impersonated Bank of Scotland: the FCA has published 7 warnings about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Bank of Scotland, shown on this page.
Is my money safe with Bank of Scotland?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Bank of Scotland to the Financial Ombudsman Service, free of charge.
Who owns Bank of Scotland?
Bank of Scotland is owned by Hbos PLC, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs Bank of Scotland?
Companies House lists 15 directors of Bank of Scotland: Amanda Felicity Mackenzie, Sarah Elise Bentley, Nigel Grant Hinshelwood, Brendan Edward Gilligan, William Leon David Chalmers, Sarah Catherine Legg and 9 more.
How long has Bank of Scotland been in business?
The company was formed on 17 September 2007, and has held its current FCA authorisation since December 2001.
Has the FCA taken action against Bank of Scotland?
Yes. The FCA register records 11 FCA actions between 2003 and 2020, £374.03m in fines. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does Bank of Scotland get?
In January–June 2025, the Financial Ombudsman Service received 2,932 new complaints about Bank of Scotland, and upheld 30% of those it decided.
Does Bank of Scotland use any other names?
It trades as Automobile Association Personal Finance, Bank of Scotland Private Banking, Birmingham Midshires, BM Savings and BM Solutions, and 4 more names. It has previously used 244 other names, including The Governor and Company of the Bank of Scotland, 600 Group Finance and AA Account.

Sources and links

The full report on Bank of Scotland PLC

£19.99 · Instant PDF download

Loading secure checkout…