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65 Holmville Road Higher Bebington Wirral Merseyside CH63 2PX |
1. The Financial Services Authority (FSA)
The FSA is the independent watchdog that regulates
financial services. It requires us to give you this document. Use this
information to decide if our services are right for you.
2. Whose products do we offer?
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We offer products from a range of insurers. |
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We can only offer products from a limited number of insurers. |
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We can only offer a product from Legal and General for Non-investment insurance. |
| Mortgages | |
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We offer mortgages from the whole market. |
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We can only offer mortgages from a limited number of lenders. |
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We only offer the mortgages from a single lender. |
3. Which service will we provide you with?
| Insurance | |
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We will advise and make a recommendation for you after we have assessed your needs for Non-investment insurance. |
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You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make up your own choice about how to proceed. |
| Mortgages | |
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We will advise and make a recommendation for you after we have assessed your needs. |
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You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of mortgages that we will provide details on. You will then need to make up your own choice about how to proceed. |
4. What will you have to pay us for our services?
| Insurance | |
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A fee. |
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No fee. |
| You will receive a quotation which will tell you about any other fees relating to any particular insurance policy. | |
| Mortgages | |
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No fee. We will be paid commission from the lender. |
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A fee. We will also be paid commission from the lender. |
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A fee of 0.5% of the loan (min £500), payable on completion If you choose this option we will rebate any commission that we receive from the lender to you. If we do not receive commission we reserve the right to charge you this fee. |
| You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to it. | |
5. Who regulates us?
Wentworth Financial Services Ltd, 65 Holmville Road,
Higher Bebington, Wirral, Merseyside, CH63 2PX is authorised and regulated by
the Financial Services Authority. Our FSA Register number is 477117
Our permitted business is advising on and arranging
regulated mortgage contracts, and advising on and arranging regulated insurance
contracts
You can check this on the FSA's Register by visiting the
FSA's website www.fsa.gov.uk/register
or by contacting the FSA on 0845 606 1234
6. What to do if you have a complaint
| ...in writing | Write to Wentworth Financial Services Ltd, Complaints Department, 65 Holmville Road, Higher Bebington, Wirral, Merseyside, CH63 2PX |
| ...by phone | Telephone 0845 805 4350 |
| If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. | |
7. 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.
Further information about compensation scheme arrangements is available from the FSCS.
Insurance
Insurance advising and arranging is covered for the claim, without any upper limit.
Mortgages
Mortgage advising and arranging is covered for 100% of £50,000.
Further information about compensation scheme arrangements is available from the FSCS.