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 14 years
- Protected through the principal
- No FCA actions
- Active company since 2011
- Accounts filed up to 31 December 2025
- On its latest accounts it owed £65.9k more than it owned
Responsible principal firm
Personal Touch Financial Services Limited Reference number: 187834 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.
- Financial Services Scotland Limited (FRN 569880) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Financial Services Scotland's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Financial Services Scotland, 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
1 Glebe Street, Stevenston, North Ayrshire, KA20 3EN, United Kingdom
In the full report: 2 background checks
- What kind of line 07725 308412 is
- Who else gives the postcode KA20 3EN
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Personal Touch 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 number
- SC408291 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 28 September 2011 (15 years old)
- Registered office
- 1 Glebe Street, Stevenston, Ayrshire, KA20 3EN, Scotland
- Nature of business
-
- Activities of insurance agents and brokers (SIC 66220)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Christie Lynn Fisher | Director | Jun 1986 | 3 Feb 2026 | 5 other companies |
| NICOLSON NOMINEES LTD | Corporate secretary | Not published | 14 Aug 2018 | – |
Other companies run by its director
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
- 5
- still active
- 5
- is FCA-registered
- 1
In the full report: all 5 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
−£65.9k
Down £9,505 from −£56.4k
Employees (average)
5
Same as 5
Owed within a year
£115k
−6.6% from £123k
Net assets are negative: on its last balance sheet the company owed £65.9k more than it owned.
Assets and liabilities
In the full report: all 6 years of accounts
- Every year from 2019 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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company SC408291. 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
Financial Services Scotland’s history from the FCA register and Companies House, newest first.
2022
17 November 2022
- Financial Services Scotland Group Ltd took control (75–100% of shares)
- James Henry Fisher stopped being a part-owner
- Senga Fisher stopped being a part-owner
Companies House
14 November 2022
- Lynda Best stopped being a part-owner
- Stuart Edward Best stopped being a part-owner
Companies House
2017
3 October 2017
- James Henry Fisher became a part-owner (25–50% of shares)
- Lynda Best became a part-owner (25–50% of shares)
- Senga Fisher became a part-owner (25–50% of shares)
- Stuart Edward Best became a part-owner (25–50% of shares)
Companies House
2011
28 November 2011
- Became an appointed representative
FCA register
28 September 2011
- Incorporated at Companies House
Companies House
In the full report: all 18 events
- All 18 events in its history (11 shown here)
- Every director appointment and resignation: 7
Firms connected to Financial Services Scotland
Other FCA-listed firms that share a director, phone number or address with Financial Services Scotland. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its postcode
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Financial Services Scotland
Other firms of the same type (insurance broker), nearest first.
In the Kilmarnock (KA) 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 Financial Services Scotland
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 18 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Financial Services Scotland Limited FCA authorised?
What does appointed representative mean for Financial Services Scotland?
What is Financial Services Scotland’s phone number?
Is Financial Services Scotland a scam or clone?
Is my money safe with Financial Services Scotland?
Who owns Financial Services Scotland?
Who runs Financial Services Scotland?
How long has Financial Services Scotland been in business?
What do Financial Services Scotland’s latest accounts show?
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