Who Regulates Us?
Clara Downton FCA number 845100 trading as Downton Mortgages And Financial Services is an appointed representative of First Complete
Limited trading as PRIMIS Mortgage Network , which is authorised and regulated by the Financial Conduct Authority (FRN: 435779). First Complete Limited’s permitted business is advising and arranging mortgages and non-investment insurance advice. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk or by contacting the FCA on 0800 111 6768. The Financial Conduct Authority is the independent watchdog that regulates financial services.
What To Do If You Have A Complaint?
If you wish to register a complaint, please contact us:
Write to: Complaints Department, PRIMIS Mortgage Network (FC) Compliance Department, Newcastle House, Albany Court, Newcastle Business Park, Newcastle Upon Tyne, NE4 7YB
Telephone: 0191 233 4685
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Services Ombudsman Service.
Are We Covered By The Financial Services Compensation Scheme (FSCS)?
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 90% of the claim, without any upper limit.
For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit.
Mortgage advising and arranging is covered for 100% of the first £50,000, so the maximum compensation is £50,000. Further information about compensation scheme arrangements is available from the FSCS.
‘Our Network is authorised and regulated by the Financial Conduct Authority (FCA). Our Network is responsible for the quality of the advice that we provide to you in relation to your mortgage and/or insurance products, where those products are regulated by the FCA.
In the course of doing so, our Network will also process Your Information generally, including Your Special Data and Criminal Disclosures.
In the course of handling Your Information and Your Special Data/Criminal Disclosures our Network will:
? Record and store Your Information and Your Special Data/Criminal Disclosures on Network systems run on secure servers. Your Information and Your Special Data/Criminal Disclosures will be accessed by authorised employees and consultants within, or engaged, by the Network as necessary for the purposes of supervision, training, quality audits, customer surveys and complaint handling or otherwise to comply with any other legal or regulatory obligation the Network may have.
? Use, and where appropriate transmit, Your Information and Your Special Data/Criminal Disclosures to respond to any request from the FCA, the Financial Ombudsman Service, HMRC, the Office of the Information Commissioner or any other regulatory, law enforcement or governmental body.
? Need to access and process Your Information and Your Special Data/Criminal Disclosures to deal with enquiries received from mortgage lenders and insurance providers that relate to the service this Firm has provided to you, including the payment of any commission or fees to us that may be linked to the product you have taken out.
Your Information and Your Special Data/Criminal Disclosures will be retained by our Network either electronically or in paper format for a minimum of six years and possibly for a longer period where
this is required to enable the Network to fulfil its legal and regulatory obligations.