- 2013 Building Sustainable Repayment Plans for Customers in Default
24 Jun 2013 - 24 Jun 2013
Agreeing payment plans can be fraught with difficulties - obtaining all of the required information, making sure it is accurate and deciding appropriate levels of repayments for a given debt. To do this effectively, a positive customer relationship has to be in place so that more information can be obtained about the different criteria that make up a comprehensive budget. This course will help you look at the key points in order to efficiently assess different levels of income and expenditure to build more effective repayment plans that are sustainable over the repayment period.
- Introduction to Consumer Credit
27 Jun 2013 - 27 Jun 2013
This is an up-to-date, comprehensive, introductory course on consumer credit. Delegates will leave the course with a basic knowledge of the key elements of consumer credit. They will also learn and understand the complexities of advertising and how to construct a compliant credit advert. They will learn the fundamentals of documentation, key clauses and the implications of early settlement. Delegates will be given an overview of the CCA 2006 and the on-going requirements. In addition, delegates will leave with a sound understanding of the Consumer Credit Regulations 2010 following the implementation of the Consumer Credit Directive into UK law.
- 2013 Consumer Credit Litigation - A Legal Framework
2 Jul 2013 - 2 Jul 2013
The Consumer Credit Act 1974 (as amended recently by the Consumer Credit Act 2006 and, even more recently, by the EU Consumer Credit Directive) is a notoriously difficult piece of legislation for both creditors and debtors. It has therefore created a significant amount of litigation involving debtors arguing technical points to avoid repayment of debts due under a regulated agreement. While many of these challenges are ultimately unsuccessful, debtors are (from time to time) successful and receive a substantial windfall. To try and reduce the prospect of successful challenges, this one day course offers creditors an opportunity to fully understand this evolving legal framework. It will include consideration of the latest developments in consumer credit litigation, the latest case law and current guidance issued by the Office of Fair Trading and the Financial Services Authority. It will also briefly consider the potential future changes to the Consumer Credit Act 1974 together with changes to the regulatory architecture and the effect this may have on consumer credit litigation.
- 2013 Preparing for Regulation by the FCA
9 Jul 2013
In April 2014, consumer credit regulation will transfer from the Office of Fair Trading to the Financial Conduct Authority (FCA). Lenders now have only a few months left to get ready for the new regime, which will include High-Level Principles for business, Systems and Control requirements, new rules on financial incentives and product intervention measures. Firms will also need to prepare for authorisation, ensure that they meet the FCA’s Threshold Conditions, and have identified staff to become Approved Persons. Lenders should be taking action now to ensure that they have all the requirements in place by April 2014, and be able to demonstrate compliance.
- 2013 Effective Complaints Handling
10 Jul 2013 - 10 Jul 2013
Businesses acting under an Office of Fair Trading Consumer Credit Licence or carrying out business regulated by the Financial Conduct Authority are subject to the Dispute Resolution Rules on handling complaints. There is an on-going requirement from both a regulatory and business perspective to handle complaints in accordance with these rules while seeking to achieve the best outcome for the complainant and the company. This course will explore regulatory expectations and consider best practice in complaint handling.
- 2013 Consumer Law for Motor Finance Providers
16 Jul 2013 - 16 Jul 2013
An extensive legal framework gives considerable protection to consumers by, amongst other things, implying terms into contracts for the supply of goods. This framework has been updated as a result of The Consumer Credit Act 2006 and the EU Consumer Credit Directive. Further change is in prospect if the proposed transfer of consumer credit regulation from the Office of Fair Trading to the new Financial Conduct Authority (FCA) goes ahead in 2014. The framework is often confusing to debtors and creditors alike. In many cases, more than one statutory provision provides the debtor with protection. These problems are further compounded for motor finance lenders, as a third party (usually a dealer) is involved. This one day course offers lenders an opportunity to fully understand the legal framework which governs this sector and examines how the legislation defines the lender’s rights and obligations to their customers.
- 2013 Understanding Credit Scoring
18 Jul 2013 - 18 Jul 2013
Credit scoring is now the most common method employed by banks and other lenders when making consumer lending decisions. This workshop explores the basics of how credit scoring works in a modern consumer lending business - the processes, the strategy, and the decisions. While there is a brief practical excursion into how the scorecards are built, the focus is on what the scorecards look like and how they need to be used and managed.
- 2013 Operational Risk Management
16 Sep 2013 - 16 Sep 2013
Operational Risk comprises fraud risk, business continuity, processing errors, IT security and suitability of business practices, just to name a few. Large operational risk events can bankrupt banks more surely than credit or market risk. It is part of the Basel II and Solvency II international capital adequacy regulations. This is a comprehensive introductory course on a ‘must have’ area of financial risk management. Delegates will leave the course with a broad knowledge of how operational risk is defined and distinguished, and the key elements of the Operational Risk Management Model, including risk identification, risk assessment, control, and loss reporting. Delegates will be introduced to a very wide range of specialised topics including fraud, business continuity, strategic, legal and reputational risk.
- 2013 Lease Accounting and Tax Update
26 Sep 2013 - 26 Sep 2013
This course provides an in-depth overview of recent developments. It includes technical aspects of lease accounting and taxation. This intensive course programme offers a useful update to your existing lease accounting and tax knowledge. The focus of this course is to update delegates on recent developments in lease accounting and taxation. This course is designed to provide a comprehensive understanding of the impact of taxation on leasing and how this has changed over recent years.
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