How We Work
Treating Customers Fairly

At Hallmark Financial Services Limited we believe in relationship advice. We will take the time to build up a thorough knowledge of your current circumstances and your aspirations, enabling us to deliver the quality of service you deserve.

We make sure that you have access to the FULL range of products and services available in the financial services market, rather than being restricted to one company. This ensures you receive the right advice to select the financial products that you need to suit your circumstances and effectively meet your requirements.

How we conduct our conversations and advice is up to. Whilst we prefer face-to-face contact we are also happy to conduct business over the phone or by e-mail.

Any initial meeting or conversation is free. At this meeting or conversation we will explain exactly the ways that we can be remunerated, which can be commission paid by the product provider or a fee from the client, or a combination of both. Any commissions paid by the product provider will be clearly disclosed.

If we are unable to assist you in a particular specialist area then we have contacts from other professional advisory firms who should be able to assist.

TREATING CUSTOMERS FAIRLY (TCF)

The TCF principle aims to raise standards in the way firms carry on their business by introducing changes that will benefit consumers and increase their confidence in the financial services industry.

Specifically, TCF aims to :

  • help customers fully understand the features, benefits, risks and costs of the financial products they buy
  • minimise the sale of unsuitable products by encouraging best practice before, during and after a sale

In December 2010, we undertook a TCF assessment with the Financial Conduct Authority (FCA). We are delighted to confirm that they have since stated that they are satisfied that we can demonstrate that we treat customers fairly in the day-to-day running of the business and that customers can be confident that they are dealing with a firm where the fair treatment of customers is central to its culture.

In January 2011, our Compliance Officer passed an exam to gain the Certificate in Regulated Customer Care (CeRCC). This qualification is designed to develop a firm’s understanding and knowledge of the regulatory and practical implications of the TCF initiative. By gaining this qualification we feel this further demonstates that we take the TCF inititive very seriously.

Click here to view our TCF principles.

Authorised & regulated by the Financial Conduct Authority (FCA). The FCA do not regulate Commercial Mortgages, Bridging Loans & some forms of Buy-to-Let mortgages. Your home may be repossessed if you do not keep up repayments on your mortgage. To understand the features and risks of a Lifetime Mortgage, ask for a personalised illustration. There may be a fee for Mortgage Advice. A typical fee is £250 but the precise amount will depend upon your circumstances and will be disclosed prior to any financial commitment.
Estate planning and the provision of Wills are not regulated by the Financial Conduct Authority. On behalf of APS Legal & Associates Ltd, White Hart Yard, Bridge Street, Worksop S80 1HR. APS Legal & Associates is a member of the Institute of Professional Willwriters. APS Legal & Associates complies with the OFT Approved IPW Code of Practice.
Copyright © Hallmark Financial Services Limited. Company Registration Number: 05531211
Top