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But Mr High Street Solicitor cannot do as good a job as a 19 year old clerk at one of the factory firms who are permitted to act, surely??

With their red tape, lack of organisation, lack of clarity and lack of knowledge, the lenders' interests are in safe hands.

But let's not forget the impact on Mr Client.

a) Stick with your trusted representative and pay someone to act for your lender or
b) Go with your lender's representative

Either way, it's rarely a nice positive experience.

My most recent dealing was with one of these factories who require a list of undertakings from me at the outset. (undertakings which are actually impossible to give at that stage)

I sent a letter in the form that they required, not undertaking a single thing. It is clear to see that they'd saw the letter from me, not read it, ticked it off their list and merrily proceeded to delay other trivial matters.

Good luck Metro et al