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Terms
In all of the following paragraphs the term :
mangomortgages.com is understood to be a trading style of Mr Lionel Mouncher.
The Lender is understood to be the organization who provides the applicant with mortgage funds.
The Applicant is understood to be any person or persons who authorise mangomortgages.com to contact any lender, broker or master broker in order to secure a mortgage on their behalf.
Our service is understood to be and refers to mangomortgages.com obtaining mortgage facilities that the applicant proceeds to accept and complete upon.
Broker or Master Broker is understood to be any organization or person acting as an agent between the applicant and the lender.
The fee or our fee is understood to be the charge mangomortgages.com makes to the applicant for our service. It is understood and agreed by the applicant that the fee becomes due and payable to mangomortgages.com forthwith on the date they draw down the mortgage facility. It is understood and agreed by the applicant that the fee is non returnable under any circumstances whatsoever. It is understood and agreed by the applicant that the mortgage facility will not proceed to completion without the signed and returned hard copy of our payment authority being received at our offices, Plaza de Espana, 2, Orba, 03790, Alicante, Spain.
Our Service is understood and agreed by the applicant to be when mangomortgages.com supply a mortgage offer from a lender, broker or master broker that proceeds to draw down and completion by the applicant.
It is understood and agreed by the applicant that mangomortgages.com will have completed their service to the applicant at the point that the applicant draws down and completes upon a mortgage facility offered by any lender facilitated by mangomortgages.com.
It is understood and agreed by the applicant that in no way whatsoever are mangomortgages.com responsible or liable for any mortgage product offered or supplied by any lender, broker or master broker.
It is agreed and understood by the applicant that mangomortgages.com do not offer mortgage advice, tax advice, financial advice, legal advice or make any recommendation in relation to any mortgage product offered by any lender, broker or master broker.
It is agreed and understood by the client that mangomortgages.com do not issue receipts, and that verification of bank transfers should be obtained from the issuing bank.
It is agreed and understood by the applicant that mangomortgages.com will not be held liable in any way whatsoever for any loss incurred by the applicant by way of contractual agreements with any lender, broker or master broker.
Draw Down and/or Completion is understood and agreed by the applicant to be the point at which the applicant receives mortgage facility funding from any lender facilitated by mangomortgages.com.
Mortgage facility is understood and agreed by the applicant to be the funding of any mortgage or re-mortgage offered by any lender facilitated by mangomortgages.com and subject to the terms & conditions contained within the lenders mortgage offer.
Exclusion of Liability
The following clauses exclude or limit our legal liability for this website and you should read them carefully. Nothing in these terms and conditions shall attempt to exclude liability for death or personal injury, or for fraudulent misrepresentation.
While we have taken all reasonable steps to ensure the accuracy and completeness of the information on this website, information is provided on an "as is", "as available" basis, and we give no warranty and make no representation regarding the accuracy or completeness of the content of this website. Consequently, we accept no liability for any losses or damages (whether direct, indirect, special, consequential or otherwise) arising out of errors or omissions contained in this website. Further, no representation or warranty is given that the website shall be available on an uninterrupted basis, and no liability can be accepted in respect of losses or damages arising out of such unavailability or for any failure of performance, error, omission, interruption, defect, delay in operation or transmission or line or system failure. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by unauthorised third parties, and we make no representation or warranty regarding the accuracy, functionality or performance of any third party software that may be used in connection with this website. Access to and use of this website is at the user's sole risk and we do not warrant that the use of this website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection. You have sole responsibility for adequate protection and back-up of data and/or equipment and to undertake reasonable and appropriate precautions to scan for computer viruses or other destructive properties. This website may contain links to other websites which are hosted and maintained by third parties. We have no control over the content or security of any such site. You link to such websites at your own risk, and we make no representations and have no responsibility regarding the content of any such website. We shall not be liable for any loss or damage which may arise from the use of such third party websites. Use of any software downloaded from any such third party website is governed by the terms of any licence agreement which accompanies or is provided with the software.
Copyright, all rights, save as expressly granted, are reserved by mangomortgages.com. Reproduction in any form of any part of the contents of this website without our prior written consent is prohibited unless for personal use only.
Trade Marks, this website contains numerous trade marks and rights belonging to mangomortgages.com. You may imprint, copy, download or temporarily store extracts from this website for your personal information or when you use our products or services. You must not alter anything. Any other use is prohibited unless you first obtain our written permission. In particular no part of this website may be used on any other website without our prior written permission.
Changes to Website, the contents of this website, including these terms and conditions of use, are subject to change by us without notification. Where you continue to access or use this website this will mean that you agree to the changes.
YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP MORTGAGE PAYMENTS OR PAYMENTS ON ANY OTHER LOANS SECURED ON IT.
Payments
It is understood and agreed by the applicant and persons or persons signing the payment contract that payment as shown on the mango mortgages.com invoice shall be remitted no later than seven days following the date of the invoice.
It is understood and agreed by the applicant or the person or persons signing the payment contract that it is their absolute responsibility to calculate and remit to Mr Lionel Mouncher one point five per cent of the total mortgage advance obtained on their behalf by mango mortgages.com or one thousand euros, whichever is the greater.
It is understood and agreed by the applicant and person or persons signing the payment contract that in the event of payment not being received after seven days following the date of the invoice issued by that mango mortgages.com or Mr Lionel Mouncher or any persons appointed by him to act on his behalf will be entitled to charge interest on the full outstanding amount owed on the last day of each consecutive month at a rate of eight per cent compounded and added to the total debt per month, to the applicant or person or persons having signed the payment contract.
It is understood and agreed by the applicant and the person or persons signing the payment contract that the costs of any proposed or actual legal action being deemed necessary by Mr Lionel Mouncher to retrieve any monies owed under the terms and conditions above, that Mr Lionel Mouncher or any persons appointed by him to act on his behalf will be entitled to charge interest on the full outstanding amount owed on the last day of each consecutive month at a rate of eight per cent compounded and added to the total debt per month, to the applicant or person or persons having signed the payment contract.
It is understood and agreed by the client and the person or persons signing the payment contract that if deemed necessary by Mango Mortgages to instruct solicitors to retrieve monies owing to them, the minimum fee for instructing solicitors will be one thousand euroes.
Pagos
Se entiende y se acuerda por el solicitante y la persona o personas que firman el contrato, que el abono de la factura presentada por la gestión para la concesión de mango mortgages.com deberán ser dentro de los siete días siguientes a la fecha de la factura.
Se entiende y se acuerda por el solicitante o por la persona o personas que firman el contrato, que será de su absoluta responsabilidad, el calcular y remitir al Sr. Lionel Mouncher el uno punto cinco por ciento del total de la hipoteca obtenida por parte de mango mortgages.com o, en su caso un mil euros, cualquiera de las dos cantidades que resulte mayor.
Se entiende y se acuerda por el solicitante y por la persona o personas que firman el contrato que, en el caso de que el pago no fuera recibido dentro de los siete días siguientes a la fecha de la factura emitida por mango mortgages.com, mango mortgages.com o el Sr. Lionel Mouncher o cualquier otra persona autorizada por él, tendrá derecho a cargar al solicitante o persona o personas que han firmado el contrato de pago, un interés que será calculado el último día de cada mes adicionándose un ocho por ciento al total de la cantidad adeudada consecutivamente.
Se entiende y se acuerda por el solicitante y persona o personas que firman el contrato que los costes de cualquier acción legal emprendida por el Sr. Lionel Mouncher o cualquier persona designada por él para actuar en su nombre, será de cuenta y cargo del solicitante, y estará autorizado para cargar el interés de ocho por ciento del total de la cantidad adeudada el último día de cada mes consecutivo. Dicho importe será cargado al solicitante o persona que firme el contrato.
Se entiende y se acuerda por el solicitante y la persona o personas que firman el contrato,si esta considerado nesessario de parte de mangomortagaes.com instruir un abogado para reclaimar el dinero debido, la minima cantidad de dinero para instruir un abagado sera mil euros.
Email: info@mangomortgages.com
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