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about our services
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Moneynotion
Limited
R M
Brown – Insurance
Ez2binsured.com
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P O Box 182, Derby
DE1 1WE, England
Telephone: (01332) 380149 Fax: (01332) 386103
E-mail:
advice@ez2binsured.com
URL:
http://www.ez2binsured.com
Members of British Insurance Brokers Association (BIBA)
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The Financial Services Authority (FSA)
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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.
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Whose products do we offer?
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Investment
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Yes
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We
offer products from the whole market.
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We
only offer products from a limited number of companies.
Ask
us for a list of the companies and products we offer.
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We
only offer product[s] from a single group of companies.
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Insurance
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Yes
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We
offer products from a range of insurers for all general insurance products.
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We
only offer products from a limited number of insurers.
Ask
us for a list of the insurers we offer insurance from.
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We
only offer product[s] from a single insurer.
We
only offer our own products for [list the types of non-investment insurance
contracts].
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Lifetime
Mortgages and home reversion schemes
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Yes
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We
offer mortgages from the whole market.
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We
only offer mortgages from a limited number of lenders.
Ask
us for a list of the lenders we offer mortgages from.
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We
only offer a limited range of the] [a] mortgage[s] from [a single lender]
[name of single lender].
[or]
We
only offer our own mortgages.
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Which service will we provide you with?
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Investment
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Yes
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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 products that we will provide
details on. You will then need to make your own choice about how to
proceed.
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We
will provide basic advice on a limited range of stakeholder products and in
order to do this we will ask some questions about your income, savings and
other circumstances but we will not:
Conduct a full assessment of your
needs;
Offer advice on whether a
non-stakeholder product may be more suitable
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Insurance
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Yes
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We
will advise and make a recommendation for you after we have assessed your
needs for all types of non-investment insurance contracts.
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You
will not receive advice or a recommendation from us [for] [list the types
of non-investment insurance contracts]. We may ask some questions to narrow
down the selection of products that we will provide details on. You will
then need to make your own choice about how to proceed.
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Lifetime
Mortgages and home reversion schemes
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We
will advise and make a recommendation for you after we have assessed your
needs.
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Yes
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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 your own choice about how to
proceed.
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What will you have to pay us for our
services?
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Investment
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Before
we provide you with advice, we will give you our keyfacts guide 'about the
cost of our services'.
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Yes
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We
will tell you how we get paid, and the amount, before we carry out any
business for you.
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Insurance
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Yes
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A
fee may be necessary where the insurer does not adequately remunerate us by
commission.
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No
fee [for] [list the types of services provided for non-investment insurance
contracts].
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You
will receive a quotation which will tell you about any other fees relating
to any particular insurance policy.
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Lifetime
Mortgages and home reversion schemes
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Yes
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Generally
there will be no fee. We will be paid by commission from the lender.
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A
fee of £[ ] payable at the outset and £[ ] payable when you apply for a
[lifetime] mortgage [or home reversion scheme]. [We will also be paid
commission from the [lender/company.]]
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You
will receive a key facts illustration when considering a particular
mortgage, or further information about a particular home reversion scheme
which will tell you about any fees relating to it.
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Refund of fees
If
we charge you a fee, and your mortgage or home reversion scheme does not go
ahead, you will receive:
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A
full refund if the lender/company rejects your application.
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A
refund of £ [ ] [if your application falls through].
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Yes
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No
refund if you decide not to proceed.
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Who regulates us?
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This
firm is authorised and regulated by the Financial Services Authority. Our
FSA Register number is 137380.
Our
permitted business
is independent financial advice, insurance mediation and mortgage broking.
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.
Home
reversion schemes are not regulated by the FSA.
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Loans and ownership
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We are an
independently owned private limited company
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What to do if you have a complaint
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If
you wish to register a complaint, please contact us:
In
writing: Write to us at the above address.
By
phone: Telephone +44 (0)1332 380149
If
you cannot settle your complaint with us, you may be entitled to refer it
to the Financial Ombudsman Service. The Financial Ombudsman Service does
not consider complaints about home reversion schemes.
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Are we covered by the Financial Services
Compensation Scheme (FSCS)?
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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.
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Investment
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Most
types of investment business are covered for 100% of the first £30,000 and
90% of the next £20,000 so the maximum compensation is £48,000.
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Insurance
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Insurance
advising and arranging is covered for 100% of the first £2,000 and 90% of
the remainder of the claim, without any upper limit.
[or]
For
compulsory classes of insurance, insurance advising and arranging is
covered for 100% of the claim, without any upper limit.
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Lifetime
Mortgages and home reversion schemes
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Mortgage
advising and arranging is covered for 100% of the first £30,000 and 90% of
the next £20,000 so the maximum compensation is £48,000. [Home reversion
schemes are not covered by the Financial Services Compensation Scheme.]
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Further
information about compensation scheme arrangements is available from the
FSCS.
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Message from the
Financial Services Authority
Think carefully about
this information before deciding whether you want to go ahead.
If you are at all
unsure about which lifetime mortgage or home reversion scheme is right for
you, you should ask your adviser to make a recommendation.
Please remember that home reversion schemes are not regulated by the
FSA.
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