Compliance Services

We offer great value compliance services for mortgage, secured loan, insurance, claims and debt management firms. All services are available on an ad-hoc basis or included in one of our regular support options. We offer a friendly and professional service at a level that we believe no other compliance company can match. See below for the advantages on using H3 for your compliance needs. Or check out some of the customer feedback we have received.

Please select from the drop down box below for further information about the main services we offer.

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Advantages of taking compliance support from H3 and our guarantee to you.

Great Value

When we started in business we wanted to offer great value for our clients. Often outsourced compliance is viewed as a luxury but we dont see it that way, and we see no reason why all firms can not have access to the expertise they need within a budget they can afford. So we kept our service as flexible as possible and at the same time made sure all options provided helpdesk support so that all firms can have access to this benefit.

Comprehensive Service

What can be more annoying than paying for a service to only find most of what you expect to be included isnt and costs extra! Unlike some compliance firms we dont believe this is best for our clients. We make it very clear what is included within our service and all our regular support packages are fully inclusive. So if you choose to have one visit a year or one a week, you will receive the same additional support services. You wont have to pay more for advertising checks, complaint handling, training and competency assistance, TCF guidance, GABRIEL support, FSA correspondence support, compliance documentation or templates. The only difference between the regular support options is the number of visits and obviously the more visits you have, the greater the ability to check your business.

Flexibility

We never tie you in to a contract or minimum term and all our services are fully flexible, should you decide you need to change to a different plan or need to cancel all we ask is you provide 30 days notice to allow us to make the required changes and make sure any outstanding work or documentation is completed. Changes to your service (or cancellation) are also straightforward and all you need do is let us know what you require.

Understanding

Over the years we have developed a great deal of understanding of the rules imposed by the various regulators, and can guide you with ways of applying those rules, without imposing upon or restricting your business too greatly. We are not here to lecture you and bamboozle you with jargon and rules, we tell you how it is, listen to your concerns and feedback and then see what can be done to resolve the problems which both suits you and stays on the right side of the FSA, OFT or MoJ. Compliance responsibility is ultimately yours and so we like the support we provide to seamlessly link in with your business, that way you can be sure that compliance is not an obstacle and you have the tools to hand to deal with whatever is thrown at you.

We only deal with mortgage and non-investment insurance intermediaries with regards to FSA regulation, so we have a more in-depth knowledge of what is expected by the FSA what you as an intermediary need from a compliance perspective.

Direct Consultant Contact

You will deal directly with your own consultant and the majority of the time will deal with the same person, the exception being holiday cover. We aim to deal with most compliance queries within a short time frame. Where matters are urgent we can often provide immediate assitance. We pride ourselves on our personal service and find that most firms appreciate this when the rest of the industry is often quite impersonal.

In-depth visits

We offer a more comprehensive service than any other firm during visits. Many compliance firms will not undertake file checks during visits; insist you have a minimum number of visits before any free file checks are completed or charge extra for file checks. Even on our lowest level regular support package at one visit per year you we will undertake file checks. Our visits are in-depth, getting an up to date overview of how your business stands, looking at logs and records, checking T&C and TCF and file checks are carried out ding the visit. Why and how? Well we believe that file checks are a very important part of the overall picture of your compliance standards; they can highlight shortfalls in sales processes, problems with documentation and much more.

File Checking

Our file checks are extremely in-depth, having witnessed quite a lot of FSA inspections we know exactly what the FSA look for and how the FSA check files, so why would you want a compliance firm to do limited checks by checking only certain parts of the file. We would not want this so why should you; all our files are checked as the FSA check them, reviewing everything in the file and the overall quality of advice. After which you will receive a full report detailing any errors found, we recommend any changes to prevent these errors re-occurring and make you aware of any corrective action that is required.

Your files will never be passed on to less experienced staff who work to a checklist with little or no knowledge of what to look for in a file. Files will only ever be checked by your consultant.

Additional Support

Not every client has the budget or need for regular visits. All our visit support options are fully inclusive BUT the number of visits will have a direct bearing on the number of files that can be checked. We therefore offer additional file checking and by being a member of H3 you will receive a discount to our already competitve rate. Some firms may be happy to take our remote support package. Whilst this is not fully inclusive, we can meet your needs through adding additional services. We also offer any of our services on a ad-hoc basis, so should you not be a member, but require a few file checks, a one off audit or some advertising signed off then we would be happy to provide you with a no obligation quote.

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