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Mortgage declined?
Submission process for TCF compliant
alternative finance solution.
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Re-Mortgagedeclined?
Client too muchunsecured debt oris out on income?
Submit Enquiry
to advisory team
with basic
details
Slides
3 -5
Advisory Team
Then HOT Key orDecline to Loans or
Debt Help teams
Slides
6-9
Loan or Debt
Underwriting
Credit Check
& Scored
Slide 10
Loan or Debt
Underwriting
Offers or Declinesthe deal for IVA or
Loan.
Referred to debtcharity if applicable
Slide 11 & 12
All cases can be
Tracked untilcompletion
With a full hierachalaudit trail.
All calls arerecorded
Slide 13
Accounts teamLoans Brokers fees
are received bylenders within
24 -48 Hours
Paid within 24hours.
IVA commission
Paid after meetingof creditors.
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To refer an enquiry
Login via ww.trumpo.com
When you arrive in TMX
click non-console
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Choosing the product and number of applicants.
To generate an new enquiry click hereIf its a joint application please
Click the second customer box.
You choose the service that you think may be suitable
i.e. debt advice, consolidation loan or IVA
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Please fill in as much
of the enquiry form
as possible
You will need to click continue
when completed, all compulsoryfields have an orange star
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Enquiry is in draft form ready to be sent.
Click refer the enquiry
to send to dialler
This 7 digit reference number
is used throughout the process
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Enquiry drops into dialler. Call handler then verifies
data and edits data as required.
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Enquiry then hotkeyed (third party transfer = TPT)
to debt charity, loan underwriters or debt advice/IVA team
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Adviser then picks up the case and takes the
client into a workflow process.
The underwriter has to complete the workflow
and this gets updated live with date and time stamps
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Data protection script and credit score.
This then determines the application progress.Data Protection Script.
I now just need to run through a data protection statement to make youaware of the searches we do.
To assess your loan application, we will make enquiries about you includingsearching records held by credit reference agencies and fraud preventionagencies.
This search is known as a SOFT QUOTATION search and will not bedetrimental to your credit file.
If you give us false or inaccurate information and we suspect fraud, we mayrecord this.
Law enforcement agencies may access and use this information. The creditreference and fraud prevention agencies will keep details of any searches.
Information held about you by the credit reference agencies, may alreadybe linked to other addresses and records relating to another person, forexample your spouse.
For the purposes of your application, you may be treated as beingfinancially linked and you application may well be assessed with referenceto any ASSOCIATED records.
You are also confirming that you are entitled to disclose information aboutany joint applicant or financial associate for the purpose of thisapplication.
Can you please confirm this is OK?
Once the client has given their permission, our staff log onto the Secured
Equifax site https://www.uk.equifax.com/ee4/logon.jsp
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Adviser then underwrites the deal,
makes notes about offer accordingly.
The adviser will always update by adding a note,
this is date & workflow stamped.
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Adviser then verifies the gross pipeline value of the
transaction.
This figure equates to the total commissions after processing costs (Valuations and BSQs)
An estimate of 500 is applied. So this example is 3,700 - 500 processing costs.
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Monitor your enquiries via clicking the sent button and
MI via enquiry report.
You can track all your cases either individually, by going
between console and non-console. You will need to click the
sent button as the system default is received,
You can view all note on the case
by clicking the enquiry reference
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