TRICON LIMITED & e-mortgage-uk
INITIAL DISCLOSURE DOCUMENT AND TERMS OF BUSINESS

What we provide.

The service we provide is on a Non Advised basis. We carry out the entire process of arranging your mortgage. We do not provide mortgage advice, we do not recommend that you take out a particular mortgage. We provide information on one or more mortgages to enable you to make an informed choice. We do not accept you as a client if we cannot arrange the mortgage you require.

Whose mortgages do we offer?

The mortgages we arrange are from the whole of the market for prime applicants and from specialist and mainstream lenders for clients with adverse credit.
We are not tied to a specific lender.

What  will you have to pay us for this service?

Updated January 2012. We will charge you a fixed fee of £499 which is payable only when a mortgage offer is issued. You will also be charged a completion fee of £50 that covers any work carried out after the mortgage is issued. This fee is paid on completion. All fees are payable by credit or debit card or bank transfer. Key facts illustrations and basic quotes will always show these fees.

Up-front fees

We do not charge any up front fees to work on an enquiry, source a mortgage and issue basic quotes and keyfacts illustrations.. We do charge a nominal application fee when you apply in full for your mortgage. This is £25 to cover administration costs and is collected when you complete our full application upgrade forms. The fee is payable by credit or debit card of bank transfer.

Confidentiality

We will treat all your personal information as private and confidential (even when you are no longer a customer) except where we are permitted by Law or where disclosure is made at your request or with your consent in relation to arranging your mortgage. You have the right of access under the Data protection Act 1998 to your personal records held on our files.
Please note that to obtain an agreement in principle from a lender will require a full credit search. This search may also reveal persons linked to your address and a search may leave a footprint on your credit file and possibly any person or persons linked to you or your address. For us to assess your enquiry if you inform us you have an adverse credit history we will search the register of county court judgments before we match your enquiry to one or more products. By completing the enquiry form you automatically agree to this.
By submitting an enquiry to Tricon Limited you accept all the above conditions.

We do not pass your details to any other organization or business outside of the mortgage enquiry or application  process for any purpose, without your prior agreement.

What to do if you have a complaint

We aim to provide you with a first class professional and confidential service. We have internal procedures for handling complaints fairly and promptly and should a complaint arise you should contact our  Compliance Officer at Tricon Ltd. PO Box 8 Abingdon, Oxon. OX14 4GT or telephone 01235 521557.Thereafter should the complaint not be resolved to your satisfaction we will assist you in resolving it by referring it to the Financial Ombudsman Service scheme of which we are members.

Are we covered by the Financial Services Compensation Scheme (FSCS)?

Yes we are. In the event that you may be entitled to compensation for loss and the firm cannot meets its obligations the FSCS will provide a certain level of compensation. You may find further details about the FSCS at www.fscs.org.uk

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Tricon Ltd
PO Box 8
Abingdon
Oxon. OX14 4GT
Telephone 01235 521557. Fax. 01235 206121