ESPC (UK) Ltd
Reference number: 498042
Instant download
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 17 years
- Protected through the principal
- No FCA actions
- Active company since 2000
- Accounts filed up to 31 May 2025
Responsible principal firm
Lyncombe Consultants Limited Reference number: 618025 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.
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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Website
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Phone number
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Address
27 George Street, Edinburgh, Edinburgh, City Of, EH2 2PA, United Kingdom
In the full report: 3 background checks
- When espc.com first appeared online, and whether it can receive email
- What kind of line 0131 624 8000 is
- Who else gives the postcode EH2 2PA
Other names (2)
If you were contacted under any of these names, it is this firm.
- ESPC Mortgages Trading name: A name it trades under now.
- ESPC Money Management Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Protection through the principal firmProtection 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 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
- ESPC (UK) LIMITED
- Company number
- SC203585 (opens Companies House in a new tab)
- 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
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- Other professional, scientific and technical activities not elsewhere classified (SIC 74909)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul Hilton | Director | Nov 1966 | 29 Oct 2013 | 7 other companies |
| Claire Louise Morgan | Director | Mar 1973 | 26 Nov 2019 | 5 other companies |
| Peter Ronald Rutherford Sturrock | Director | Jul 1967 | 1 Oct 2021 | 6 other companies |
| Ben Daniel Cook | Director | Dec 1975 | 1 Jan 2022 | 6 other companies |
| Bruce Spence | Director | Feb 1964 | 1 Jan 2023 | 4 other companies |
| Caitlin Mary Keegan | Director | Oct 1980 | 27 Nov 2024 | 5 other companies |
| Jill Shaw Andrew | Director | Jul 1972 | 27 Nov 2024 | 14 other companies |
| Louisa Raistrick | Director | Sep 1979 | 1 Jan 2026 | 4 other companies |
| Claire Macphail | Director | Jun 1973 | 1 Jul 2026 | 3 other companies |
| Bruce Spence | Secretary | Not published | 26 Feb 2004 | – |
Other companies run by these 9 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
- 27
- closed down
- 5
- run together
- 4
In the full report: all 27 companies, named
- What each company does, and whether it is still trading
- Which of these 9 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 4 companies these 9 directors run together
- All 44 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£4.53m
No earlier figure to compare
Cash at bank
£1.51m
No earlier figure to compare
Employees (average)
53
No earlier figure to compare
Owed within a year
£3.43m
No earlier figure to compare
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 SC203585. 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
Espc (UK)’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- Edinburgh Solicitors' Property Centre Limited took control (75–100% of shares)
Companies House
2009
18 March 2009
- Became an appointed representative
FCA register
2000
3 February 2000
- Incorporated at Companies House
Companies House
In the full report: all 83 events
- All 83 events in its history (3 shown here)
- Every director appointment and resignation: 77
Firms connected to Espc (UK)
Other FCA-listed firms that share a director, phone number or address with Espc (UK). A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Espc (UK)
Other firms of the same type (financial adviser), nearest first.
In Edinburgh
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 Espc (UK)
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 27 other companies its directors have run, named
- 3 background checks on its contact details
- All 83 events in its history
- 1 connected firm, 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