Mortgage Advice Services is a trading name and style of Home Finance Advice Direct Limited. Any reference within this Notice to “Mortgage Advice Services”, “we”, “us” or “our” is to Home Finance Advice Direct Limited. We are committed to protecting and respecting your privacy. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
For the purpose of European Union Data Protection legislation, we are the data controller and we are registered under the Data Protection Act 1998.
Mortgage Advices Services operates a website. Your use of the site is governed by the terms and conditions contained within this Notice. You agree to accept and be bound by these terms and conditions by accessing, using or downloading materials from the site.
This privacy statement describes our policy in using the information which we collect from you in the course of your use of our website.
We will hold and process any personal information which you provide to us on the site in order to facilitate and enhance the services which we provide. We may also use such data to contact you by email or by post to send you details about our services or to send you bulletins which we consider may be of interest to you. We may employ the services of a third party to help us in certain areas such as website posting. In some cases that third party may have access to your information. At all times Mortgage Advices Services will control the use of that information.
As a mortgage and protection broker, we reserve the right to discuss your personal circumstances with any lender or insurer, in order to determine the most appropriate product for your needs. A lender or prospective lender may undertake credit enquiries on receipt of your application. They may also supply information to Credit Reference Agencies and Fraud Prevention Agencies regarding the way your account is managed.
You may request from us details of personal information we hold about you and please address any such request marked for the attention of the “Data Protection Compliance Officer”. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.
In order to improve the quality of our site we use what are known as “cookies”. A cookie is a piece of text which is stored locally (but does not access your hard drive and from which it can store and sometimes track how you make use of a website).
Credit Reference & Fraud Prevention Agencies
We may use Credit Reference Agencies (CRAs) and Fraud Prevention Agencies (FPAs) to help us make decisions. How we, Credit Reference Agencies and Fraud Prevention Agencies will use your information is detailed below.
By confirming your agreement to proceed you are accepting that we may each use your information in this way.
How we will use your data:
1. We will search at Credit Reference Agencies and Fraud Prevention Agencies for information on all applicants. In doing so we will provide current and previous names, current and previous addresses and dates of birth of all parties, so if you are providing information about others, on a joint application, you must make sure that you have their agreement. If you give us false or inaccurate information and we identify fraud, details may be passed to Credit Reference Agencies and Fraud Prevention Agencies.
2. Credit Reference Agencies will supply to us, public information such as County Court Judgements (CCJs) and bankruptcies, electoral register information and fraud prevention information on applicants and their known financial associates, current and previous names, current and previous addresses and dates of birth.
3. All searches with Credit Reference Agencies will be logged and held by the Credit Reference Agencies.
4. We will use the information provided to us by Credit Reference Agencies and Fraud Prevention Agencies to help us assess your suitability for credit and to determine the most appropriate product for the needs of all applicants, to verify their identity, for the prevention and detection of fraud and/or money laundering, and to manage accounts. We may use scoring methods, which may be automated, to do this.
5. If we make ID Checks with Credit Reference Agencies, the footprint will not be seen by other organisations and will not then affect your credit rating or your future ability to obtain credit.
6. How your data will be used by Credit Reference Agencies:
The information which we and other organisations provide to the Credit Reference Agencies, about you, your financial associates and your business (if you have one) may be supplied by Credit Reference Agencies to other organisations and used by them to:
6.1. Prevent crime, fraud and money laundering by, for example checking details provided on applications for credit and credit related or other facilities
6.2. Check the operation of credit and credit-related accounts
6.3. Verify your identity if you or your financial associate applies for other facilities.
6.4. Make decisions on credit and credit related services about you, your partner, other members of your household or your business.
6.5. Manage your personal, your partner’s and/or business (if you have one) credit or credit related account or other facilities.
6.6. Trace your whereabouts and recover debts that you owe.
6.7. Undertake statistical analysis and system testing.
6.8. Credit reference agencies can also be fraud prevention agencies
7. How your data may be used by Fraud Prevention Agencies:
The information which we provide to the fraud prevention agencies about you, your financial associates and your business (if you have one) may be supplied by fraud prevention agencies to other organisations and used by them and us to: -
7.1. Prevent crime, fraud and money laundering by, for example;
7.1.1. Checking details provided on applications for credit and credit related or other facilities
7.1.2. Managing credit and credit related accounts or facilities
7.1.3. Cross Check details provided on proposals and claims for all types of insurance.
7.1.4. Checking details on applications for jobs or when checked as part of employment
7.2. Verify your identity if you or your financial associate applies for other facilities including all types of insurance proposals and claims.
7.3. Trace your whereabouts and recover debts that you owe.
7.4. Conduct other checks to prevent or detect fraud.
Any information or material sent to Mortgage Advices Services by electronic transmission or otherwise cannot be guaranteed to be confidential.
All information contained on the Mortgage Advices Services web site is for illustrative purposes only and does not purport to be comprehensive or to provide legal advice on any specific issue. Mortgage Advices Services does not accept responsibility for any direct, indirect, incidental, special or consequential loss or damage including, without limitation, any loss of profits, business interruption, loss of programs or other data on your information handling system or otherwise incurred by you or any third party arising from your access to or use of the Mortgage Advices Services website or any site which is linked directly or indirectly to any pages on the Mortgage Advices Services website. Information provided may be incomplete, out of date or inaccurate and may contain technical inaccuracies or typographical errors. Users should always seek appropriate legal advice before taking or refraining from taking any action.
It is your responsibility to ensure that your access to the Mortgage Advices Services web site is free of viruses, worms, Trojan horses and any other items of a destructive nature.
Links to Third Party Sites
Mortgage Advices Services may provide links from its website to websites of third parties not controlled by Mortgage Advices Services. We accept no responsibility for the content of any other website which you may access through this one. Please note that any link to a third party site does not mean that we endorse the content or use of such web site or the goods and services offered by any third party.
Very satisfied. Paul explained everything well and answered any queries which we had. The mortgage was handled and completed without any stress. We were kept up to date regularly. Very good service. We were kept up to date with the process and contacted immediately if any further information was needed. The staff which we dealt with were very helpful any efficient. Would recommend.
Mr & Mrs W of Market Drayton
Excellent, knowledgeable service.
Mr & Mrs E of Norwich
We found Paul to be very helpful from the onset. He always arrived on time for any meetings arranged convenient to ourselves. He kept us updated throughout and answered any questions that we had within a short period of time. Everything was explained to us in an easy to understand manner. We would both like to express our thanks to Paul.
Mr & Mrs W of Burton-on-Trent
I was really impressed by Iwan’s knowledge. He explained everything which was going to happen which put my mind at rest and I had total faith in what he was doing on my behalf.
Mrs F of Manchester
I am pleased to do this survey, Steven was really helpful and gave some really wonderful advice without this I would have struggled due to my circumstances now having cancer. It was a Blessing that I took the critical illness & income protection. My circumstances would have been different financially. I would fully recommend your services to my family & friends. I have had some very helpful advice from Steven Muskett and also very wonderful Tracy Fox for them being there when I needed them has helped me to no end.
Mrs R of Skelmersdale
Elizabeth made me feel as if she was doing the best she could for me to ensure I received a good deal. Everything was done quickly and efficiently with continued updates to its progress. Can’t thank Elizabeth enough. Quick and efficient can’t fault them and thank you all very much.
Ms C of Basingstoke
Your Home May Be Repossessed if You Do Not Keep Up Repayments on a Mortgage or Any Debts Secured on it.
From time to time, Mortgage Advice Services, or its industry partners, may contact you and offer to review your financial circumstances. If you do not wish to be contacted by us, you may notify us by sending an e-mail to firstname.lastname@example.org; or by telephoning 01332 257 087; or by writing to The Compliance Department, Mortgage Advice Services, 16 St Christopher’s Way, Pride Park, Derby, DE24 8JY. Mortgage Advice Services is a trading style of Home Finance Advice Holdings Limited. Home Finance Advice Holdings Limited is an Appointed Representative of Affinity Select Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Home Finance Advice Holdings Limited is registered in England Number 08038330. Affinity Select Insurance Services Limited. Registered Office: Horsted Square, Bellbrook Business Park, Bell Lane, Uckfield, East Sussex, TN22 1QG. Registered in England Number 03565404. You can check this on the Financial Services Register by visiting the FCA’s website register.fca.org.uk/ or by contacting the FCA on 0800 111 6768. The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK. ©2018 mortgageadviceservices.co.uk, full terms and conditions apply. The Financial Conduct Authority does not regulate Trusts
Where you have a complaint or dispute with us and we are unable to resolve this to your satisfaction then we are obliged to offer you the Financial Ombudsman Service to help resolve this. Please see the following link for further details: http://financial-ombudsman.org.uk
MORTGAGE ADVICE SERVICES HAS ACCESS TO AN EXTENSIVE RANGE OF MORTGAGE LENDERS IN THE UK