Who Regulates Us

Derbyshire Mortgage Services Limited are authorised and regulated by The Financial Conduct Authority and is entered on the Financial Services Register under reference 436257. The Financial Conduct Authority is the conduct regulator for over 56,000 financial services firms and markets in the UK. We work with the FCA to make sure that you are always protected within a financial market that maintains its integrity and works in your favour.

Our reputation is important to us, especially since we have successfully built Derbyshire Mortgage Services solely on word of mouth recommendations. We work with the FCA to make sure that you, as our customer, always come first, and that the core FCA principle ‘Treating Customers Fairly’ is at the centre of everything we do.

The FCA, established in 2013 to take over responsibility for conduct from the Financial Services Authority, are responsible for regulating the UK’s financial sector, from pensions and credit cards to investments and loans, including mortgages. Their main objective is to ensure that all relevant financial markets operate smoothly, and that these markets, along with consumers, are protected. In the interest of any consumers, the FCA also promote effective competition, making sure that you are always able to find the best deals on your financial services.

As independent mortgage brokers, our intention is to provide all of our customers with complete information regarding the benefits, risks and costs of any mortgage service or product that we recommend. We will never mislead you, and any information will be presented in a clear and fair manner to ensure that you understand precisely what you can reasonably expect from any recommended mortgage product or policy. We aim to honour every commitment we make to our clients, and should dissatisfaction ever occur, we will investigate the underlying cause and take appropriate action where necessary.

Complaints

If you wish to register a complaint, please write to or telephone Michelle Woolley at Derbyshire Mortgage Services Limited, 2 St Johns Close, Allestree, Derby DE22 2PN - telephone 01332 554098 and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request.

When we provide services to you we will need to gather information about your personal circumstances. The information you provide to us will be subject to the Data Protection Act 1998 (the “Act”). By signing this document you consent to us or any company associated with us processing, both manually and by electronic means, your personal data for the purposes of providing advice, administration and management.

“Processing” includes obtaining, recording or holding information or data, transferring it to other companies associated with us, lenders or statutory, governmental or regulatory bodies for legitimate purposes including, where relevant, to solicitors and/or other debt collection agencies for debt collection purposes and carrying out operations on the information or data.

In order to provide services to you we may be required to pass your personal information to parties located outside of the European Economic Area (EEA) in countries that do not have Data Protection Laws equivalent to those in the UK. Where this is the case we will take reasonable steps to ensure the privacy of your information.

We may also contact you or pass your details to other companies associated with us to contact you (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested.

The information provided may also contain sensitive personal data for the purposes of the Act, being information as to your physical or mental health or condition; the committing or alleged committing of any offence by you; any proceedings for an offence committed or alleged to have been committed by you, including the outcome or sentence in such proceedings; your political opinions; religious or similar beliefs; sexual life; or your membership of a Trade Union.

If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact The Data Protection Officer on 01332 554098 or in writing at Derbyshire mortgage Services Limited 2 St Johns Close, Allestree, Derby DE22 2PN.

You may be assured that we, and any company associated with us, will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purpose. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data.

Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us. You may be charged a fee (subject to the statutory maximum) for supplying you with such data.