• Hambleton Financial Services
  • Mendip Rise, Danby Wiske
  • Northallerton
  • North Yorkshire
  • DL7 0NH
  • Tel: Freephone 08000 196 194
  • Fax: 01609 812345

Hambleton Financial Services - whole of market mortgage brokers, based in Northallerton, North Yorkshire, established in 1986.

We arrange mortgages, re-mortgages, first time buyer mortgages, buy to let mortgages, buy to let re-mortgages, life assurance, critical illness protection, income protection, mortgage payment protection, home insurance.

WE DO NOT CHARGE BROKER FEES

                                                CLIENT AGREEMENT
Commencement
 
The following terms will come into force with immediate effect.
 
Our Services
 
We will act on your behalf for the purposes of arranging and advising on pure
protection, mortgages and general insurance.
 
We may also advise on products and services which are not regulated by the
Financial Services Authority.  We will tell you where this is the case.
 
Unless agreed otherwise in writing we will not be obliged to review in the
future any product or policy that we have arranged for you.
 
We are an appointed representative of Lifetime Insurance Mortgage Experts
Ltd, which is authorised and regulated by the Financial Services Authority
(FSA). The FSA is the independent regulator of financial services in the
United Kingdom.  Lifetime Insurance Mortgage Experts Ltd is entered on the
FSA register (www.fsa.gov.uk/register) under reference 311266. 
 
Their address is:
Lifetime Insurance Mortgage Experts Ltd
Network House
Lister Hill
Horsforth
Leeds
LS18 5AZ
Tel: 0113 239 0011
 
Lifetime Insurance Mortgage Experts Ltd is a wholly owned subsidiary of
Tenet Group Limited which is a leading distributor of financial products and
services in the UK.
Norwich Union Life, Friends Provident Life & Pensions Ltd each own 21% the
Standard Life Assurance Company own 23%, and AEGON Distribution
Holdings Ltd 20%, of the capital of Tenet Group Ltd.
 
How we charge you for our services
 
You have the option to pay for our services by way of a fee in which case the
method of calculation will be agreed with you before we carry out any
chargeable work.  Alternatively we can be paid commission on a product we
arrange.  We will tell you about how much commission we receive.
 
We will provide you with further details about the cost of our services
separately.
 
We will tell you if you have to pay VAT.  It is possible that other costs,
including taxes (e.g. stamp duty) related to the business we arrange may
arise.  These costs will not be paid by our firm but borne by you.
 
If you choose to pay for our services by commission and we are subsequently
obliged to refund the commission paid to us, we reserve the right to charge
you the amount refunded without the need for a separate fee agreement. 
This will not apply where you exercise your statutory right to cancel the
contract.   
 
Certain product providers make payments to Tenet Group Limited, the parent
company of Lifetime Insurance Mortgage Experts Ltd in relation to commercial
services provided to them. None of these payments relate to volumes of
business placed with the product providers or are attributed to individual
transactions.
 
If we receive any other form of benefit in connection with our services to you
we will disclose this to you.
 
Your Protection
 
We prefer instructions to be in writing.  If instructions are given orally they
should also be confirmed in writing.  We may refuse at our discretion to
accept certain instructions, although such discretion will not be exercised
unreasonably.
 
Except in respect to settlement of our invoices for agreed fees, cheques
should be made payable to the product providers only.  We do not accept
cash payment. 
 
We will normally register all products and/or investment in your name unless
otherwise instructed in writing.  In certain circumstances products and/or
investments may be registered in the name of a nominee company, for your
ease of administration, although you will remain the beneficial owner of those
products and/or investments.
 
If we become aware that our interests or those of one of our other clients
conflicts with your interests, we will inform you in writing and obtain your
consent prior to proceeding with your instructions.
 
Risk Warnings
 
We will communicate appropriate risk warnings prior to providing products or
services.  These are for your benefit as you should understand any risks
before making an investment.
 
Complaints and Compensation
 
If you wish to make a complaint, please contact us either:
 
In writing:
Dispute Resolution Department,
Lifetime Insurance Mortgage
Experts Ltd, Network House, Lister Hill, Horsforth, Leeds, LS18 5AZ;
or
by telephone: 0113 239 0011.
 
Our written complaints procedure is available upon request.  If you cannot
settle your complaint with us, you may be entitled to refer it to the Financial
Ombudsman Service (FOS).
 
Further information about the FOS is available from their website
www.financial-ombudsman.org.uk. If we cannot meet our obligations you may
be entitled to compensation from the Financial Services Compensation
Scheme.  This depends on the type of business and the circumstances of the
claim.
 
Deposit business is covered up to a maximum level of compensation of
£50,000.
 
Insurance business may be covered for all of the first £2,000 and 90% of the
remainder of the claim, without any upper limit.  For compulsory classes of
insurance (e.g. motor or employers liability insurance), advising and
arranging is covered for 100% of the claim, without any upper limit.
 
Mortgage services may be covered for all of the first £30,000 and 90% of the
next £20,000 so the maximum compensation is £48,000.
 
Further information about the FSCS is available from their website
 
Termination
 
This client agreement may be terminated at any time, by either party.  Notice
of termination must be given in writing and will take effect immediately upon
receipt.  Termination will be without prejudice to the completion of
transactions already commenced on your behalf or any rights or obligations
already arising.  You would be expected to pay for any costs incurred up to
the date of termination or a due proportion of any fees previously agreed.
 
Data Protection
 
Collection of data
 
In order to provide you with products and services we need to gather personal
and financial information about you. This includes information obtained from
you or third parties, such as employers and credit reference agencies, fraud
prevention agencies or other organisations.  This may include sensitive
information about racial or ethnic group, physical or mental health, sexual
life, criminal proceedings and offences. 
 
Access:
 
You have the right to access information we hold about you.  You can access
a copy of these records by contacting us or alternatively Lifetime Insurance
Mortgage Experts Ltd Protection Officer.  Contact details are as follows:
 
Data Protection Officer
Lifetime Insurance Mortgage Experts Ltd
Network House
Lister Hill
Horsforth
Leeds
LS18 5AZ
Telephone Number: 0113 239 0011
 
We are entitled to charge a fee for this service of up to £10.  If any of the
information we hold is incomplete or inaccurate please tell us and we will
correct it.
 
Use of data:
 
Personal information will be passed to Lifetime Insurance Mortgage Experts
Ltd for compliance and monitoring purposes.  Information may be passed to
other financial firms in the course of providing services.  We may provide
information to our regulators and their successor.  We may also provide
information to our auditors, Lifetime Insurance Mortgage Experts Ltd,
professional advisers, and other firms within the Tenet Group.
 
We may from time to time contact you by post, fax or e-mail with details of
products and services which may be of interest to you.   If you would like to
receive this information please indicate your preference by ticking the box
here. ¨
 
We shall disclose information to relevant authorities where we are required to
do so by law.
 
We are legally obliged to verify the identity of our customers and retain these
records. 
 
We will retain records after our business relationship has ended for legal and
regulatory purposes.
 
Rights of third parties
 
These terms of business exclude any rights which may be conferred upon
third parties by the Contracts (Rights of Third Parties) Act 1999.
 
Jurisdiction
 
This agreement is governed by English Law and the parties of this agreement
herby submit to the exclusive jurisdiction of the English Courts.
 
Commencement
 
This is our standard client agreement upon which we intend to rely. For your
own benefit and protection you should read these terms carefully before
signing them. If you do not understand any point please ask for further
information.
 
This Client Agreement will come into effect from the date of my/our signature
below.
 
 
 
 
Name ……………………………………………… Signed ………………………………….. Date …………………
 
 
 
Name ……………………………………………… Signed ………………………………….. Date …………………
 
 
 
 
 
 

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