Saga Services Limited

Reference number: 311557

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Scammers have impersonated this firm. The FCA has published 1 warning 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 saga.co.uk first appeared online, and whether it can receive email
  • What kind of line 01303 771111 is, and the 4 other firms that give it
  • Who else gives the postcode N1C 4AG
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Other names (8)

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

  • Direct Choice Trading name
  • Saga Trading name
  • Saga Group Trading name
  • Saga Insurance Trading name
  • Saga Insurance Services Trading name
  • Saga Select Trading name
  • Bennetts Former trading name
  • Saga Financial Planning 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 (1)
  • 020 8002 8791
Fake email addresses (1)
  • info@sagasaving.com
The FCA warning these came from

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

FCA permissions and consumer protection

  • 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.
  • 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 (9 permissions)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Assisting in the administration and performance of a contract of insurance
  • Credit Broking
  • Dealing in investments as agent
  • 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 transactions in investments

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
64
upheld, against a 31% median
11%
about insurance
64

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

Companies House record

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

Company number
00732602
Company status
Active
Company type
Private limited company
Incorporated
15 August 1962 (64 years old)
Registered office
3 Pancras Square, London, N1C 4AG, United Kingdom
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)

Directors and company secretaries

Name Role Born Appointed Other companies
Pamela Elizabeth Rowland Director Dec 1961 1 Jul 2021 2 other companies
John Robert Lister Director Apr 1958 14 Sep 2021 65 other companies
Lloyd James East Director Feb 1968 4 Apr 2025 3 other companies
Nicola Koning Secretary Not published 16 May 2022 –

Other companies run by these 3 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
21
are FCA-registered
21

In the full report: all 70 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 21 on the FCA register
  • All 45 people who have ever been directors, with their dates
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Key dates in its history

Saga Services’s history from the FCA register and Companies House, newest first.

Key events (6) All events (110)

2020

17 August 2020

  • FCA warned the public about a scam impersonating this firm

FCA warning list

2016

6 April 2016

  • Saga Group Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2005

14 January 2005

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

FCA register

1962

15 August 1962

  • Incorporated at Companies House

Companies House

In the full report: all 110 events

  • All 110 events in its history (6 shown here)
  • Every director appointment and resignation: 90
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Firms connected to Saga Services

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

connected firms
6
share a director
2
share its phone number
4

In the full report: all 6 connected firms, named

  • How each is linked: shared directors (2), the same phone number (4), the same postcode (4)
  • Who links each one: the named directors, with dates
  • 10 past links through former directors
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Firms like Saga Services

Other firms of the same type (lender), nearest first.

In London

Clydesdale Financial Services LimitedLondonAuthorisedSainsbury's Financial Services LimitedLondonAuthorisedMadison CF UK LimitedLondonAuthorisedLendable LtdLondonAuthorisedSalary Finance LimitedLondonAuthorisedSalary Finance Loans LimitedLondonAuthorised

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 Saga Services

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 110 events in its history
  • 6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Saga Services Limited FCA authorised?
Yes, Saga Services Limited (FRN 311557) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since January 2005 and works as a lender. The FCA has placed no limits on its permissions.
What is Saga Services’ phone number and website?
The FCA register lists the phone number 01303 771111 and the website saga.co.uk for Saga Services. 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 4 other FCA firms.
Is Saga Services a scam or clone?
Scammers have impersonated Saga Services: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Saga Services, shown on this page.
Is my money safe with Saga Services?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Saga Services to the Financial Ombudsman Service, free of charge.
Who owns Saga Services?
Saga Services is owned by Saga Group Limited, which holds 75–100% of shares, since 6 April 2016.
Who runs Saga Services?
Companies House lists 3 directors of Saga Services: Pamela Elizabeth Rowland, John Robert Lister and Lloyd James East.
How long has Saga Services been in business?
The company was formed on 15 August 1962, and has held its current FCA authorisation since January 2005.
How many complaints does Saga Services get?
In January–June 2025, the Financial Ombudsman Service received 64 new complaints about Saga Services, and upheld 11% of those it decided.
Does Saga Services use any other names?
It trades as Direct Choice, Saga, Saga Group, Saga Insurance and Saga Insurance Services, and 1 more names. It has previously used 2 other names: Bennetts and Saga Financial Planning.

Sources and links

The full report on Saga Services Limited

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