I operate as a Financial Expert in the financial services market place, writing mortgage reports mainly concerning professional conduct when giving advice and recommendation. MCOB related negligence is my main specialist subject dealing with mortgage contracts from 2005 onward. I believe in good quality service standards, integrity, honesty, customer service. I have over 32 years of experience in this sector, my opinion and case assessment could save time and expense. Many clients may not be aware that they may have been treated unfairly or financially disadvantaged. My initial appraisal will give you a basic opinion, regarding the viability of breaches/negligence based on the information we are supplied. My opinion will provide you with information to consider as to whether there may be issues worth challenging the lender or adviser. Especially regarding the advice, suitability, affordability, and responsibility when giving recommendations at the time the mortgage was sold or with any subsequent loans. My report writing software system is available to be issued under white labelled branding, I do have historic lending data completed with interest rates for the whole of the mortgage market, prime and sub-prime, dated from 1st November 2004. Please note, I am not Claim Managers and do not process individual cases or give advice.