Scottish Equitable PLC

Reference number: 165548

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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 aegon.co.uk first appeared online, and whether it can receive email
  • What kind of line 0345 608 1680 is, and the 2 other firms that give it
  • Who else gives the postcode EH12 9SE
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Other names (3)

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

  • Aegon Trading name
  • Mylo Trading name
  • Retiready Trading name

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • 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.
  • 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 (12 permissions)
  • Accepting Deposits
  • Arranging (bringing about) deals in investments
  • Arranging safeguarding and administration of assets
  • Carrying out contracts of insurance
  • Dealing in investments as agent
  • Dealing in investments as principal
  • Effecting contracts of insurance
  • Establishing, operating or winding up a stakeholder pension scheme
  • Establishing/operating/winding up a personal pension scheme
  • Making arrangements with a view to transactions in investments
  • Managing investments
  • Safeguarding and administration of assets (without arranging)

FCA disciplinary action and Ombudsman complaints

FCA action

fine
1
in fines
£2.70m
most recent
December 2010
  • Fined £2.7m on 16 December 2010
    On 16 December 2010 the FSA imposed a fine of £2.7m on Scottish Equitable PLC for failing to comply with Principle 3 of the FSA Principles for Businesses between 2002 and 2010 (the Relevant Period). During the Relevant Period the conduct of Scottish Equitable PLC fell below the standards expected under the regulatory system because it failed to take reasonable care to organise and control its affairs responsibly and effectively and failed to ensure that effective internal governance arrangements were in place to enable it to manage and monitor the risks its customers were exposed to in a number of areas in breach of the provisions of the Financial Services and Markets Act 2000 (the Act).

Ombudsman complaints

new complaints, January–June 2025
286
upheld, against a 31% median
50%
about pensions
276

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
SC144517
Company status
Active
Company type
Public limited company
Incorporated
14 May 1993 (33 years old)
Registered office
Aegon Lochside Crescent, Edinburgh Park, Edinburgh, EH12 9SE, Scotland
Nature of business
  • Life insurance (SIC 65110)

Directors and company secretaries

Name Role Born Appointed Other companies
James Ewing Director Jun 1970 3 Apr 2014 36 other companies
Theresa Patricia Froehlich Director Apr 1966 22 May 2018 5 other companies
Michael Anthony Holliday-Williams Director Jun 1970 8 Jan 2020 35 other companies
Helen Louise Heslop Director Dec 1969 12 Apr 2021 8 other companies
Michael Stuart Davies Director Dec 1966 22 Dec 2021 5 other companies
Christina Margaret Mccomb Director May 1956 22 Jan 2024 36 other companies
Nicholas Blake Director Dec 1965 27 Nov 2024 5 other companies
Michele Bareggi Director Nov 1973 13 May 2025 7 other companies
Amanda Wright Secretary Not published 19 May 2025 –

Other companies run by these 8 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
77
closed down
20
went insolvent
1

In the full report: all 77 companies, named

  • What each company does, and whether it is still trading
  • Which of these 8 directors sit on each board, and since when
  • The one that went into liquidation or administration
  • The 12 on the FCA register
  • The 30 companies these 8 directors run together
  • All 66 people who have ever been directors, with their dates
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Key dates in its history

Scottish Equitable’s history from the FCA register and Companies House, newest first.

Key events (8) All events (145)

2017

6 April 2017

  • Scottish Equitable Holdings Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2010

16 December 2010

  • Fined £2.7m by the FCA

FCA register

2001

1 December 2001

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

FCA register

1993

14 May 1993

  • Incorporated at Companies House

Companies House

1901

1 January 1901

  • Supervised by HM Treasury under the money laundering rules from this date

FCA register

In the full report: all 145 events

  • All 145 events in its history (8 shown here)
  • Every director appointment and resignation: 129
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Firms connected to Scottish Equitable

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

connected firms
6
share a director
5
share its phone number
2

In the full report: all 6 connected firms, named

  • How each is linked: shared directors (5), the same phone number (2), the same postcode (3)
  • Who links each one: the named directors, with dates
  • 7 past links through former directors
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Firms like Scottish Equitable

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

In Edinburgh

Scottish Widows LimitedEdinburghAuthorisedStandard Life Prt Solutions LimitedEdinburghAuthorised

In the Edinburgh (EH) postcode area

Scottish Electrical Contractors Insurance LimitedPenicuikAuthorised

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 Scottish Equitable

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 77 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 145 events in its history
  • 6 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Scottish Equitable PLC FCA authorised?
Yes, Scottish Equitable PLC (FRN 165548) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as an insurer. The FCA has placed no limits on its permissions.
What is Scottish Equitable’s phone number and website?
The FCA register lists the phone number 0345 608 1680 and the website aegon.co.uk for Scottish Equitable. 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 2 other FCA firms.
Is Scottish Equitable a scam or clone?
Scottish Equitable is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Scottish Equitable?
It may control client money but not hold it. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Scottish Equitable to the Financial Ombudsman Service, free of charge.
Who owns Scottish Equitable?
Scottish Equitable is owned by Scottish Equitable Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2017.
Who runs Scottish Equitable?
Companies House lists 8 directors of Scottish Equitable: James Ewing, Theresa Patricia Froehlich, Michael Anthony Holliday-Williams, Helen Louise Heslop, Michael Stuart Davies, Christina Margaret McComb and 2 more.
How long has Scottish Equitable been in business?
The company was formed on 14 May 1993, and has held its current FCA authorisation since December 2001.
Has the FCA taken action against Scottish Equitable?
Yes. The FCA register records 1 fine in 2010, £2.7m in total. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does Scottish Equitable get?
In January–June 2025, the Financial Ombudsman Service received 286 new complaints about Scottish Equitable, and upheld 50% of those it decided.
Does Scottish Equitable use any other names?
It trades as Aegon, Mylo and Retiready.

Sources and links

The full report on Scottish Equitable PLC

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