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 9 years
- Protected through the principal
- No FCA actions
- Active company since 2017
- Accounts filed up to 31 May 2026
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.
- Oban Mortgage Services Ltd (FRN 786846) is an AR of Personal Touch Financial Services Limited (FRN 187834). When you use Oban Mortgage Services's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Oban Mortgage 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
Coire Cas, 4 Coe Gardens, Oban, PA34 4JT, United Kingdom
In the full report: 2 background checks
- What kind of line 01631 565111 is
- Who else gives the postcode PA34 4JT
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
- SC564953 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 3 May 2017 (9 years old)
- Registered office
- C/O Simmers & Co, Albany Chambers, Albany Street, Oban, PA34 4AL, United Kingdom
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Caroline Mcculloch | Director | Oct 1958 | 3 May 2017 | None |
| Marie Muir | Director | Feb 1978 | 3 May 2017 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
Filed accounts and finances
Net assets
£11.7k
−21% from £14.9k
Employees (average)
2
Up 2 from 0
Owed within a year
£6,161
<1% from £6,133
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- 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 SC564953. 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
Oban Mortgage Services’s history from the FCA register and Companies House, newest first.
2017
16 August 2017
- Became an appointed representative
FCA register
3 May 2017
- Incorporated at Companies House
- Caroline McCulloch became a part-owner (25–50% of shares)
- Marie Muir became a part-owner (25–50% of shares)
- Caroline McCulloch appointed as a director
- Marie Muir appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like Oban Mortgage Services
Other firms of the same type (mortgage adviser or broker), nearest first.
In the Paisley (PA) 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 Oban Mortgage 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 6 events in its history
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Frequently asked questions about this firm
Is Oban Mortgage Services Ltd FCA authorised?
What does appointed representative mean for Oban Mortgage Services?
What is Oban Mortgage Services’ phone number?
Is Oban Mortgage Services a scam or clone?
Is my money safe with Oban Mortgage Services?
Who owns Oban Mortgage Services?
Who runs Oban Mortgage Services?
How long has Oban Mortgage Services been in business?
What do Oban Mortgage Services’ 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