The London Mortgage Brokers Limited is a registered company in England & Wales under company number 8764766. The London Mortgage Brokers Limited is an Appointed Representative of Home Counties Mortgage Protection and Finance Ltd which is authorised and regulated by the Financial Conduct Authority.
There may be occasions where we may charge a fee which will depend on your circumstances. In these situations we will inform you at an early stage, the fee typically being no more that 1% of the total loan amount.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED UPON IT.
At The LMB, we specialise in providing absolutely impartial mortgage advice and a bespoke service to domestic and commercial clients who wish to borrow upwards of £500k.
Our Firm’s priority is to provide customers with the highest level of advice and service. However, we know that sometimes things can go wrong.
Customer feedback helps us understand where things have gone wrong and gives us the opportunity to put them right. It also helps us understand where we need to improve our products and services.
If you have a complaint about your Adviser or the service you received from our firm please contact us.
Post: Compliance Department (Complaints), Home Counties Mortgage protection and finance Ltd.
Phone: 0208 367 1620
We may record and monitor calls.
If your complaint cannot be resolved straightaway we will:
• Acknowledge receipt in writing, confirming our understanding of your complaint, who will be handling it and giving you the opportunity to provide any further information or additional documents.
• After investigating your concerns we will respond, as quickly as possible and if no decision has been reached we will update you on progress after 8 weeks.
The Financial Ombudsman Service
If you’re dissatisfied with our response, you can ask the Financial Ombudsman Service for an independent review free of charge, but you must do so within six months of the date of the firm’s final response letter.
The Financial Ombudsman Service (FOS) will only consider your complaint once you’ve tried to resolve it with us, so please take up your concerns with us first. We do our best to resolve complaints.
The FOS is also only able to consider certain categories of complaint, for example complaints about Buy to Let mortgages, which are not regulated by the Financial Conduct Authority will normally be outside the jurisdiction of the FOS.
In addition, the FOS might not be able to consider your complaint if:
• What you’re complaining about happened more than six years ago, and
• You’re complaining more than three years after you realised (or should have realised) that there was a problem.
If your complaint was made outside of these time limits, which is a matter for The Ombudsman to decide, The Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if it believes that the delay was as a result of exceptional circumstances.
Further information on the services provided by the Financial Ombudsman Service can be found on their website: http://www.financial-ombudsman.org.uk Other contact points are by: -
Post: The Financial Ombudsman Service, Exchange Tower, London. E14 9S
Alternative Dispute Resolution (ADR) Directive
Alternative Dispute Resolution (ADR) Directive. The ADR directive is European law, which means alternative ways of resolving contractual disputes between consumers and businesses are available. The Financial Ombudsman Service (FOS) is the ADR provider for Financial Services in the UK and will provide a complaint handling service under the ADR Directive in addition to its role as an Ombudsman Service.
Our Firm has decided to continue dealing with customer’s complaints when they are received rather than pass the responsibility to the FOS under the ADR Directive. This does not affect customers’ statutory rights of referral to the FOS as outlined above.
Any complaints received via the ADR, will be forwarded to the FOS and then to our Firm. Complaints received by this method will be treated in the same way as those received through existing means and your rights are unaffected.
© 2015 The London Mortgage Brokers LTD