- 2013 Understanding of Vehicle Fraud and Investigation Procedures
21 May 2013
The course examines the remit of the Association of Chief Police Officers (ACPO) Vehicle Crime Intelligence Service (AVCIS), how it operates and what is required to ensure all referrals to AVCIS are completed accurately and in line with the police Best Practice Guidelines. The course will cover current practices and procedures, identifying official documents required for submission by lenders to AVCIS and how to complete them. This will ensure allegations of fraud and vehicle crime are accepted, and allocated to the most appropriate police force for further investigation. Practical work-based case studies will be used to explain the process of fraud investigations. The course will explain how to complete a pro-forma witness statement, specifically designed by AVCIS for those reporting vehicle fraud. It will also identify the appropriate content of a statement and thus what exhibits are needed for submission to AVCIS.
- 2013 Beating Asset Finance Fraud
3 Jun 2013 - 3 Jun 2013
This course examines the various types of asset finance fraud, how they work, where the asset financier is exposed and the best ways of stopping and preventing such frauds. Real case studies will be used to provide an insight into each of the frauds under scrutiny. This programme is targeted at those working in the business-to-business, asset finance or motor finance sectors who wish to understand the mechanics and impact of fraud on all the areas of their industry.
- 2013 Lending Code Workshop
7 Jun 2013 - 7 Jun 2013
The revised FLA Lending Code was published on 1st February 2012. The Code sets standards of good practice in consumer lending. It provides assurance to customers that they can buy with confidence from full members of the FLA. All full members must comply with the Code and should have internal monitoring procedures in place to ensure that compliance with the Code is maintained. This workshop will provide an overview of the Code’s requirements and the new standards which have been added. It will also cover how customers can bring complaints under the Code’s Complaints Scheme and how the FLA will monitor compliance.
- 2013 Essential Underwriting Skills
10 Jun 2013 - 11 Jun 2013
This course is designed to present the essential credit skills that are vital in understanding the financial and non-financial risks in any lending proposition. Mastering the assessment of these risks is a central contributor to business success and will result in more productive and profitable application of time and resources.
- 2013 Intermediate Leasing
17 Jun 2013 - 19 Jun 2013
This course is designed to provide a comprehensive understanding of the leasing market including risk, taxation, documentation, lease evaluation, assessing risks and fraud. It follows the process and the life of a lease from beginning to end to give delegates a better understanding of the lessor/lessee position.
- 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 Services 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.