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Regulated/Unregulated mortgage

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What is the difference between a regulated and an unregulated mortgage?

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What is the difference between a regulated and an unregulated mortgage?


Regulated mortgage agreement under the Financial Services and Marketing Act 2000.


This Act gives rise to the following:


Entering into, advising on, administering and arranging regulated mortgage contracts (including arranging and advising on variations to such contracts) are regulated activities under the FSMA (together with agreeing to do any of these things). Any person carrying out a regulated activity, unless an exemption is available, must be authorised by the FSA, with specific permission required from the FSA to engage in the activity. If requirements as to authorisation and permission of lenders and brokers or as to issue and approval of financial promotions are not complied with, a regulated mortgage contract will be unenforceable against the borrower except with the approval of a court.

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE either SPML/PML/LMC/SPPL; the following are DIRECT tel#s, of the investigating & prosecuting organisations:


DO NOT say you are from CAG-only directly affected or a concerned citizen. 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633 

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643 

3. CH : Mark Youde(accounts compliance) @ 02920 380 955 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108 (part of the Insolvency Service) investigating all the Lehman lenders 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : tel#0207 637 6236  


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