Tricon Ltd
INITIAL DISCLOSURE DOCUMENT AND TERMS
OF BUSINESS
Key facts about
our mortgage
services
Tricon Limited and e-mortgage-uk are regulated
and authorised by the Financial Services Authority to arrange mortgages.
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.
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
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