Your marketing campaigns cannot be successful if you forget even one of these marketing basics, and you need to have them in place before even considering any marketing strategies! This is what 98 percent of entrepreneurs and business owners miss and why they fail! Part 1 starts with the 10 must-have pillars for any internet marketing success. What 98 percent of businesses miss + why they fail!
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Then let this snappy, little guide from the Influencer series help you in typical, fun - SassyZenGirl - style! Interestingly, none applied.Īfter the regulator’s requirement for lenders to write to it justifying their exit fees by July 31, Cheltenham & Gloucester removed its fees for new borrowers.Struggling to reach new clients, customers, or social media followers?įrustrated with Facebook ads not producing good results? This is misleading.Ī recent experiment by Hammersmith and Fulham Council removed over 300 boards in two conservation areas after they insisted that agents had to apply for permission to erect signs.
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She sees no reason for ‘Sold By’ or ‘Let By’ signs as they are only unsolicited forms of free advertising that create clutter.Ī number of agents have been successfully prosecuted for illegally placed boards, including boards outside homes they are not selling or outside their own houses, for the free advertising and also to boost themselves in board counts that go on across the country.Īgents use board counts to assess the effectiveness of their penetration in certain areas, then integrate this information into their promotional material. Hodge wants to restrict the size of boards and their layout, requesting the display of ‘For Sale’ signs only. Agents have been getting away with this form of pollution for years. Margaret Hodge, minister of state at the Department for Culture, Media and Sport, has proposed restrictions on the placement of estate agents’ boards. I can understand the reasons for using fast-track in certain circumstances but there is no need for the industry to promote it.Īfter all, if lenders are able to assess the propensity of borrowers to default based on their experience with scoring systems, there’s not much to worry about and benefits will be seen in terms of improved service.īut relying too much on these systems is a worrying trend, especially when you consider that it was underwriting systems that contributed to the recent meltdown in the sub-prime sector in the US. That said, many lenders report their fast-track cases to the Financial Services Authority as self-cert, but through their BDMs they promote the fast-track facility to brokers as a way round the system, in many cases confirming that no checks will be made on clients’ details. If ever there was a time for information about brokers engaged in this sort of activity to be added to the Hunter system, it is now.
If a lender asks for more information about particular cases, these brokers pull their cases and place them elsewhere. Many brokers have been prepared to take the risk of getting caught. The way lenders audit such cases is by checking 10% of them or only looking closely at those that constitute anomalies, such as cleaners apparently earning £50,000 per year.
There’s also the issue of fraud – the process of taking otherwise financially clean clients, manipulating their occupations and incomes and pushing them along the fast-track route, provided they are successful at DIP stage. I’m sure many brokers are putting self-cert cases through as fast-track to get round these restrictions. Many broker firms have rightly identified self-cert products as high risk and if they have not abandoned using them, many have certainly made their compliance procedures significantly more robust when it comes to the sales process. I’m sure compliance is also a key reason. A limited amount of documentation is usually needed for fast-track cases once decisions in principle have been completed. There are a number of reasons for this abuse, and the main one is laziness. Lenders must have been in-credibly naive when introducing fast-track facilities if they didn’t foresee that some advisers would abuse the facility. I don’t know which is more concern-ing – the fact that TMW has discovered this or that it didn’t see it coming. The Mortgage Works has uncovered evidence that a significant number of self-cert borrowers could be slipping through as fast-track cases.
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