Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 21 years
- Protected through the principal
- No FCA actions
- Active company since 2000
- Accounts filed up to 31 December 2025
Responsible principal firm
Quilter Financial Services Limited Reference number: 440703 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.
- Dunnottar Insurance Services Ltd (FRN 412777) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Dunnottar Insurance Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Dunnottar Insurance Services, 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.
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.
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No website on the FCA register
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Phone number
-
Address
27 Shore Street, Macduff, AB44 1TX, United Kingdom
In the full report: 2 background checks
- What kind of line 01261 833400 is
- Who else gives the postcode AB44 1TX
Other names (7)
If you were contacted under any of these names, it is this firm.
- Mortgage Advice Company Trading name: A name it trades under now.
- Clyde Financial Services Former trading name: A name it used to trade under.
- David C Beattie Former trading name: A name it used to trade under.
- DCB Financial & Mortgage Consultants Former trading name: A name it used to trade under.
- J. Downey Financial Management Former trading name: A name it used to trade under.
- LC Financial Services Former trading name: A name it used to trade under.
- M A Financial Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Quilter Financial Services 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 Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
FCA disciplinary action and complaints
No FCA disciplinary action.
The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company name
- DUNNOTTAR INSURANCE SERVICES LIMITED
- Company number
- SC208159 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 15 June 2000 (26 years old)
- Registered office
- 27 Shore Street, Macduff, AB44 1TX, Scotland
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Tony Gallon | Director | Sep 1970 | 13 May 2020 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
- All 5 people who have been directors, with their dates
Filed accounts and finances
Net assets
£106k
+38% from £76.8k
Employees (average)
2
Same as 2
Owed within a year
£36.3k
+7.3% from £33.8k
No turnover or profit for the year to 31 December 2025: the accounts print them but do not tag them. The last tagged figures are £238k turnover and £8,167 profit, for the year to 5 April 2020.
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2020 to 2025
- The chart, over every year
- Every filed figure, year by year
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
Accounts filed at Companies House for company SC208159. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
Dunnottar Insurance Services’s history from the FCA register and Companies House, newest first.
2021
1 January 2021
- Denise Gallon became a part-owner (25–50% of shares)
Companies House
2020
17 June 2020
- Brian Joseph O'Neill no longer has significant control
Companies House
16 June 2020
- Tony Gallon became a part-owner (25–50% of shares)
Companies House
2017
1 January 2017
- Brian Joseph O'Neill gained significant control
Companies House
2006
27 July 2006
- Changed its registered name from "Mortgage Advice Company"
FCA register
2004
31 October 2004
- Became an appointed representative
FCA register
2000
15 June 2000
- Incorporated at Companies House
Companies House
In the full report: all 27 events
- All 27 events in its history (7 shown here)
- Every director appointment and resignation: 7
Firms connected to Dunnottar Insurance Services
Other FCA-listed firms that share a director, phone number or address with Dunnottar Insurance Services. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 2
- share its postcode
- 2
In the full report: all 2 connected firms, named
- How each is linked: the same postcode (2)
- Who links each one: the named directors, with dates
Firms like Dunnottar Insurance Services
Other firms of the same type (insurance broker), nearest first.
In the Aberdeen (AB) postcode area
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 Dunnottar Insurance Services
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- 7 years of accounts, charted
- All 27 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk