Raising eyebrows

First of all, I enjoyed the fact that a dinner lady could use such a fanciful title as ‘catering consultant’. Anyone who hands out cold, lumpy custard and mashed potato which looks and tastes like sawdust is clearly not ‘consulting’ their target audience – as you can probably tell, I was a big fan of school dinners in my youth.

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However, the best bit about the broker’s claims was that 90 per cent of his self-cert cases were not really valid for the product. We all know that there occasionally needs to be a little bit of, for lack of a better word, ‘creativity’ to get the client over the line, especially if it is blatantly obvious that they will be able to afford it. But 90 per cent? That seems to me an extraordinary amount and I would question that broker’s hypocrisy for complaining about the fraud going on when it is brokers like him who are leading it.

Self-cert is there for a very good reason and as responsible brokers, we should only be using it when it is appropriate.

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