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 8 years
- Protected through the principal
- No FCA actions
- Active company since 2016
- Accounts filed up to 31 December 2024
- Accounts are overdue at Companies House
Responsible principal firm
Your Expert Group Holdings Ltd Reference number: 550186 Caution 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.
- YEG NO 2 Limited (FRN 802531) is an AR of Your Expert Group Holdings Ltd (FRN 550186). When you use YEG NO 2's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from YEG NO 2, 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
89 West Regent Street, Glasgow, Lanarkshire, G2 2BA, United Kingdom
In the full report: 2 background checks
- What kind of line 0141 227 7788 is
- Who else gives the postcode G2 2BA
Other names (2)
If you were contacted under any of these names, it is this firm.
- Your Loan Expert Trading name: A name it trades under now.
- Your Loan Expert Limited Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Your Expert Group Holdings Ltd, 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.
Concerns on the company record
- Accounts are overdue at Companies House.
- Company number
- SC538950 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 27 June 2016 (10 years old)
- Registered office
- 89 West Regent Street, Glasgow, G2 2BA, Scotland
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Derek Peter Mcphail | Director | May 1984 | 27 Jun 2016 | 21 other companies |
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
- 21
- closed down
- 7
- went insolvent
- 1
In the full report: all 21 companies, named
- What each company does, and whether it is still trading
- Which of its director sits on each board, and since when
- The one that went into liquidation or administration
- The 3 on the FCA register, including 2 no longer authorised
- All 3 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£30.4k
Same as £30.4k
Employees (average)
0
Same as 0
Owed within a year
£30.4k
Same as £30.4k
Its next accounts are overdue at Companies House.
Net assets
In the full report: all 6 years of accounts
- Every year from 2019 to 2024
- 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 SC538950. 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
Yeg No 2’s history from the FCA register and Companies House, newest first.
2024
15 February 2024
- Changed its registered name from "Your Loan Expert Limited"
FCA register
1 February 2024
- Your Expert Group (Holdings) Ltd gave up control
- Your Expert Group Holdings Ltd took control (75–100% of shares)
Companies House
2018
1 April 2018
- Derek Peter McPhail no longer has significant control
- Peter Christopher Dean gave up control
- Your Expert Group (Holdings) Ltd took control (75–100% of shares)
Companies House
22 February 2018
- Became an appointed representative
FCA register
2016
1 July 2016
- Derek Peter McPhail gained significant control
- Peter Christopher Dean took control (75–100% of shares)
Companies House
27 June 2016
- Incorporated at Companies House
Companies House
In the full report: all 16 events
- All 16 events in its history (10 shown here)
- Every director appointment and resignation: 5
Firms connected to Yeg No 2
Other FCA-listed firms that share a director, phone number or address with Yeg No 2. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 1
- share its postcode
- 3
In the full report: all 3 connected firms, named
- How each is linked: shared directors (1), the same postcode (3)
- Who links each one: the named directors, with dates
- 2 past links through former directors
Firms like Yeg No 2
Other firms of the same type (mortgage adviser or broker), nearest first.
In Glasgow
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 Yeg No 2
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 21 other companies its directors have run, named
- 2 background checks on its contact details
- 6 years of accounts, charted
- All 16 events in its history
- 3 connected firms, 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