S J M Heggie, O L Graham & I N Carruthers

This firm operates as an appointed representative of NATIONAL FARMERS UNION MUTUAL INSURANCE SOCIETY LIMITED(THE). Its regulated business runs under their FCA authorisation, and they're legally responsible for what it does.

Addresses

The contact details this firm has registered with the FCA.

Senior staff personally approved by the FCA to hold their roles here.

Innes Neil Carruthers
IRN IXC25948
- (3)Employed By (since 13 Dec 2019)
James Milby
IRN JXM03209
- (2)Employed By (3 Mar 2014 to 5 Oct 2016)
James Scott Lang
IRN JSL01072
- (3)Employed By (2 Jul 2020 to 1 Mar 2021)
Mark Andrew Porteous
IRN MAP01345
- (1)Employed By (1 Dec 2016 to 1 Dec 2017)
Michael Gregor Coutts
IRN MGC01072
- (4)Employed By (2 Jul 2020 to 1 Mar 2021)
Olive Louise Graham
IRN OLG01008
- (1)Employed By (since 16 Nov 2016)
Sally Jane Heggie
IRN SJH01482
- (2)Employed By (since 14 Mar 2014)

Updates to this firm's record on the FCA register.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.