FRENCH MORTGAGES AND CONSUMER PROTECTION IN THE UK

HOW PROTECTED ARE YOU IN YOUR CHOICE OF ROUTE TO A FRENCH MORTGAGE?

Consumer Protection Item	Charles Hamer Financial Services	Direct To French Bank*	UK Credit Licensed Broker Not FSA Authorised	French Based Mortgage Broker / ESTATE AGENT
Access to UK Financial Ombudsman service (FOS)	YES	NO	YES	NO
FSA Regulated Internal Dispute Resolution Process	YES	NO	NO	NO
Consumer Credit Act Advertising Obligations (Office of Fair Trading / OFT)	YES	NO	YES	NO
Treating Customer Fairly Obligations (TCF)	YES	NO	NO	NO
Consumer Credit Act Licensed	YES	NO	YES	NO

* The assumption here is that the French bank is not a branch of a UK bank or has not elected for FOS treatment under the voluntary jurisdiction arrangement. If the provider is a branch of a UK based bank or is registered under FOS jurisdiction then some or all of the consumer protection items listed in the table will be available