Welcome to our website - we act in the strictest of privacy and treat all information confidentially. Our system will assess your mortgage contract and establish, in draft form, issues with regards to set up and submission of the mortgage contract. As a mortgage contract expert, we provide your firm or company with a free assessment, subject to contract and approval.
We have over 30 years of experience in the financial service industry, which includes the understanding of the regulators, FSCS, MCCB, MCOB, and FCA. Our software system can be white labelled with many supporting features: please request our brochure.
We have over 30 years of experience in the financial service industry, which includes the understanding of the regulators, FSCS, MCCB, MCOB, and FCA. Our software system can be white labelled with many supporting features: please request our brochure.
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The managing director Eddie Marshall has over 30 years' experience in compliance and the whole-of-market prime and sub-prime mortgage marketplace, with the ability to read files to assess whether there could be any potential negligence or material regulatory breaches.
Our opinion and methods for professional negligence are followed in accordance with MCOB rules and principles.
Under Section 4.7 of the FCA's rulebook for mortgage advisers, "Mortgage and Home Finance: Conduct of Business" (MCOB) it states that mortgage advice must be "suitable for that customer" and that advisers "must make and retain a record" of it being suitable.
Our opinion and methods for professional negligence are followed in accordance with MCOB rules and principles.
Under Section 4.7 of the FCA's rulebook for mortgage advisers, "Mortgage and Home Finance: Conduct of Business" (MCOB) it states that mortgage advice must be "suitable for that customer" and that advisers "must make and retain a record" of it being suitable.
Initial Opinion: We will issue our opinion once instructed and our software has been completed.
Our opinion will be researched, and we will examine every document in order to establish any regulated breaches, contentious issues and areas of potential mis-selling.
Were you advised to go along the self-certification route when there was proof of sufficient income to qualify for the mortgage?.
Did any minor adverse credit that you might have prevent you going with a 'High Street' type lender or were you recommended to a so-called 'sub-prime' lender?.
Our opinion will be researched, and we will examine every document in order to establish any regulated breaches, contentious issues and areas of potential mis-selling.
Were you advised to go along the self-certification route when there was proof of sufficient income to qualify for the mortgage?.
Did any minor adverse credit that you might have prevent you going with a 'High Street' type lender or were you recommended to a so-called 'sub-prime' lender?.
If I may introduce myself as Eddie Marshall and I am the managing director of Financial Expert Witness.
My experience in the financial services marketplace spans over 30 years.
I was directly authorised and then joined a nationwide network as an Appointed Representative mortgage specialist.
I am the author of all my expert reports and opinions, and I specialise in the investigation of professional negligence.
We have an extensive historic database with up-to-date information showing historic lending with interest rates, which include the whole of market, prime and subprime.
My experience in the financial services marketplace spans over 30 years.
I was directly authorised and then joined a nationwide network as an Appointed Representative mortgage specialist.
I am the author of all my expert reports and opinions, and I specialise in the investigation of professional negligence.
We have an extensive historic database with up-to-date information showing historic lending with interest rates, which include the whole of market, prime and subprime.
All cases referred to will be dealt with promptly and confidentially and professionally.
Yes, we will consider MCCB mortgage contracts (Mortgage Code Compliance Board 1996-2004) was a voluntary code/club.
The regulation was strict and disciplined, professional advisors and lenders had regulatory principles and procedures to adhere to in order to become a member.
If the lender, mortgage advisor, broker has ceased trading or had their licence withdrawn, we will seek and apply for redress or compensation from the (FSCS) Financial Services Compensation Scheme, or any other relevant acting body preceding this department.
Yes, we will consider MCCB mortgage contracts (Mortgage Code Compliance Board 1996-2004) was a voluntary code/club.
The regulation was strict and disciplined, professional advisors and lenders had regulatory principles and procedures to adhere to in order to become a member.
If the lender, mortgage advisor, broker has ceased trading or had their licence withdrawn, we will seek and apply for redress or compensation from the (FSCS) Financial Services Compensation Scheme, or any other relevant acting body preceding this department.
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