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Anon @ 09:45 am - I've seen treble that from some factories.

That's what we're up against.

And those agents are very persuasive to clients but most will regret being pushed to agent panel.

But to bring it back to point, I fail to see how these outfits (which are the sort who are on lender panels) can offer the lender any less risk that I, for example, could...? Let alone any knowledge of points of law...