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Gwent NP10 8RE |
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John Hall Mortgages |
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1. The Financial Services Authority
(FSA) |
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The FSA is the independent watchdog that regulates
financial services. It requires us to give you this document. Use this
information to decide if our services are right for you. |
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2. Whose products do we offer? |
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Insurance |
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We offer products from a range of insurers for: Pure Protection Income Protection |
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We only offer products from a limited number of
insurers for Household Insurance and Payment Protection. |
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Ask us for a list of insurers we offer insurance
from. |
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We only offer products from a single insurer. |
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Mortgage |
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We offer mortgages from the whole of the market |
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We only offer mortgages from a limited number of
lenders. |
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We only offer mortgages from a single lender. |
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3. Which service will we provide you
with? |
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Insurance |
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We will advise and make a recommendation for you
after we have assessed your needs for: Pure Protection Household Insurance Payment Protection Income Protection |
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You will not receive advice or a recommendation from
us. We may ask some questions to narrow down the
selection of products that we will provide details on. You will then need to
make your own choice about how to proceed. |
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Mortgage |
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We will advise and make a recommendation for you
after we have assessed your needs. |
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You will not receive advice or a recommendation from
us. We may ask some questions to narrow down the
selection of products that we will provide details on. You will then need to
make your own choice about how to proceed. |
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4. What will you have to pay us for
our services? |
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Insurance |
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A fee |
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No fee |
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You will receive a quotation which will tell you
about any other fees relating to any particular insurance policy. |
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Mortgage |
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No fee |
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We will be paid commission by the lender. |
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A fee at consultation |
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A fee when you apply |
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Completion Fee of £295.00. |
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You will receive a key facts illustration when
considering a particular mortgage,which will tell you about any fees relating
to it. |
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5. Who regulates us? |
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John Hall Mortgages is an appointed representative of
Network Data Ltd, Network Data Ltd’s permitted business is: Pure Protection - Term Assurance, Critical Illness,
Family Income Benefits Payment Protection - Mortgage Payment Protection Income Protection General Insurance - Buildings & Contents Mortgages (Buy to Let Mortgages are not regulated by the FSA) You can check this on the FSA’s Register by visiting
the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845
606 1234. |
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6. What to do if you have a complaint |
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If you wish to register a complaint, please contact
us: In writing; Write to Complaints Department, Network
Data Limited, Botleys Mansion, Stonehill Road, Chertsey, Surrey KT16 0AP. By phone; Telephone - 01932 875883 If you cannot settle your complaint with us, you may
be entitled to refer it to the Financial Ombudsman Service. |
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7. Are we covered by the Financial
Services Compensation Scheme (FSCS) |
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We are covered by the FSCS. You may be entitled to
compensation from the scheme if we cannot meet our obligations. This depends
on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100%
of the first £2,000 and 90% of the remainder of the claim, without any upper
limit. Mortgage advising and arranging is covered for 100%
of the first £30,000 and 90% of the next £20,000 so the maximum compensation
is £48,000 Further information about compensation scheme
arrangements is available from the FSCS. |