UK / US (UN SECURED LOAN PROCESSES

UN SERCURED LOAN PROCESSES (2012-2013)

About Us Un secure credit is a trading name of Various Lenders across UK, LLC (CN UK). CN UK is a marketing company specializing in the provision of certain financial products and services. Since launching USL UK and its associate companies have helped thousands of people in the UK search for and acquire loans. USL UK is now one of the top specialist loan search sites in the UK, with a growing number of employees based in its UK offices providing an expert loan finding service. USL UK is licensed under the Data Protection Act 1998. Data Protection Number: Z2646532 USL UK is licensed with the Office of Fair Trading Consumer Credit Licensee Number: 0643826 What is Un Secure Loan?

People can borrow up to 2,500 and repay that amount in regular, monthly installments. Our application process has been designed to provide an instant response to lending applications and once approved we can transfer money direct to the customers bank on the same day. When assessing applications we look at the information borrowers provide and base our decisions to lend on current circumstances rather than the financial history of our customers. We use credit reference agencies only as a way to counter fraudulent claims, which is why we can offer lending options to people with poor credit scores and cheque borrowing histories. If we are unable to offer a personal unsecured 12 month loan, then we may be able to offer alternatives that might suit borrowers immediate needs. To receive more lending options simply ensure the search all loans button on the application form has been ticked. Services Personal Loans Whether it is for a holiday, car purchase, home improvement or for debt consolidation, USL UK knows that finding the best personal loan for you and your circumstances can be difficult. Do you want to borrow money for a year or, up to 10 years? At USL UK we understand your dilemma, our lending panel of 185 companies and the USL UK Score Crew are able to help!

Applying for multiple loans where you do not meet the necessary requirements, will mean your application is declined leaving a footprint on your USL UK report and consequently damaging your Credit rating

Therefore at USL UK , we will match you with a lender that will provide you with an unsecured personal loan at a competitive rate over the time period you want!
Personal Loans A personal loan is a loan that

is not backed by collateral e.g. your house. Personal Loans are also known as signature loans or unsecured loans The issuing of personal loans is based solely upon the borrowers credit rating. As a result, they are often much more difficult to get than a secured loan, which also takes into account the borrowers income. A personal loan is considered much cheaper and carries less risk to the borrower. However, when a personal loan is granted it does not necessarily have to be based on a credit rating. For example, if your friend lends you money without any collateral, then your credit rating has nothing to do with it, but rather the value of your friendship is at stake. Therefore, the real meaning of a personal loan, is that it is not backed by any object of value, but is lent based on your good name. Financial institutions will want to look at your credit rating, because they are not your friend and it is strictly a business transaction. Your good name may therefore be associated with your historical payment history on prior debt, which is reflected in your credit rating. Since personal loans are not secured against property or any asset, it is more difficult for a lender to get their money back if the borrower does not or cannot repay the loan. Because of this increased risk (compared to secured loans), personal lenders tend to have stricter underwriting rules. In particular, lenders will look at the potential borrowers credit history and how they have conducted their previous and current credit or loan accounts. In summary the lender has to decide, based on the prospective borrowers credit history, how likely they are to repay the loan. If the risk is too high, the borrower will be declined the loan. As already mentioned this will leave a footprint and damage your credit rating. If the risk is acceptable, then the lender will (subject to other minimum requirements) make a loan offer.

Rate determination Assuming a loan offer is made, the actual APR will normally depend on two things, the loan amount and that level of risk. Generally speaking, the higher the loan amount the lower the APR will be. In terms of the level of risk, the higher the risk the higher the APR lenders will charge this is known in the loan industry as rate-for-risk. Responsible Practices We are committed to industry leadership in regulatory compliance and to the highest standards of professionalism and ethics and recognize the importance of good corporate governance. USL UK maintains comprehensive corporate governance guidelines consistent with the Office of Fair Trading. We place critical importance on safeguarding our reputation and our relationship with clients and the community. Our Code of Ethics and Business Conduct governs employees legal and ethical obligations. Our employees are responsible for knowing and complying with the Code and other laws, regulations, and policies relevant to their business activities. Through leadership, training, accountability, and communication, we maintain a strong commitment to the Firms core business principles. We are proud to be one of Kiva.orgs supporters Kiva is a direct and sustainable way to fight global poverty. Through their website, individuals or organizations can make small, interest-free loans to low-income entrepreneurs in the developing world. Because of KIVAs work, More than 10,000 interest-free loans and you can learn more by reading the short stories below. Or keep updated on the USL UK Responsible Practices page. Personal Unsecured Loans Apply online for personal unsecured loans in minutes from the comfort and privacy of your own home. Complete a quick and simple online application in just 5 minutes with no extra paperwork to fill out or fax in. By using Pounds to Pockets easy online application you can get unsecured loans within 10 minutes of approval with no extra charge to you. Simple monthly payments set up each month can even help improve your credit score. Personal Loans Unsecured loans repaid gradually over time are an easy way to get money for whatever your financial situation may be. By following a few simple steps you'll get the money you need for whatever expenses life has thrown your way. Pounds to Pocket is able to send funds directly into your bank account within 10 minutes of approval. Repay personal loans with simple payment schedules each month, or pay early without incurring any pre-payment penalties. After applying you can access your detailed personal account 24/7 to view your current payment schedule. For future needs, you'll also be able to request new unsecured loans with just one click. Pounds to Pocket simplifies repayment for personal unsecured loans by offering two options that allow customers to make payments right from the comfort and privacy of your own home. Regularly scheduled payments can be automatically deducted from your debit card on due dates each month with no additional cost to you. If you don't have a debit card, instead make scheduled

payments from your bank account. Pounds to Pocket will draw funds automatically from your bank account on due dates with no extra cost. Pounds to Pocket specialize in 12 month unsecured loans. At Pounds to Pocket, we are dedicated to bringing customers the fastest personal loans. As a fully licensed lender in the United Kingdom, we are devoted to responsible lending practices and make every effort to meet the specialized needs of our customers. As a part of the Enova Financial Inc family of companies, we are affiliated with one of the foremost leaders in alternative lending solutions worldwide. In addition, as a member of Consumer Finance Association (CFA), Pounds to Pocket is committed to providing customers with fair and honest lending practices. So if you ever find yourself in need of personal unsecured loans or any lending services, know that you're in good hands with Pounds to Pocket.
Project Details

Source USA/UK Target 0.5

Nature Of Job Outbound Fixed Payout Rs.45,000.00

Work Type Sales Payment Mode Wire Shift US / UK Shift VOIP By Client

Seats 20 Billing Cycle Fort Nightly Monthly Billing Rs.9,00,000.00 Working Days 22 Days

SPM Duration 12 Months Leads By Client Signup USL CRM By Client

Key Criteria: Role, Function and Responsibility: CONTRACTOR Functional Area One and Two The Contractor shall provide the following types of Call Center Services including but not limited to: Inbound and Outbound Live Operator services, Service or Product Information, Scripted Information Dissemination, Mailing of Literature and Information Requests; Collection of Applications (and Checks/Money Orders FA 2 only), Data Entry of Application/Form Information into State or Contractor Database, Voice Mail, Interactive Voice Response (IVR), Email Correspondence, Call Center Overflow Capabilities; Handling Surveys and Questionnaires

Call Center Operations - Functional Area One and Two Contractor shall conduct call handling, and work with Agency to develop effective call scripts for various projects. The Contractor shall provide, at a minimum, the following types of services : Order Calls this includes the processing of all order calls (except credit card order calls). Information Calls this includes all calls when information is referred to and information is captured from the caller, but an order is not made. Voicemail Calls/Interactive Voice Response (IVR) this includes all calls (including order calls and information calls) that are retrieved from the voicemail or IVR system by the Information Specialists and recorded into the call system. Callback Calls a callback occurs when the Information Specialist cannot readily answer or provide the requested information while speaking with the customer; therefore will arrange a callback at a later date and time with the caller. Repeat Calls a repeat call occurs when a customer calls back to check the status of a previous request and additional information is referred, or a new request/order is placed. Call Transfer this occurs when a caller must be transferred to an Agency to receive more specific information not currently provided by the Contractor. Out-bound call center/telemarketing this service includes conducting telephone surveys to consumer and any other business deemed appropriate. Mailing Forms includes obtaining customer name and address and mailing form to customers. Collection of Applications and Checks/Money Orders (Functional Area ONE only) receiving applications in the mail and checks/money orders from applicants. Checks and money orders will be forwarded to another vendor working for the State to process the money collected. Data Entry keying the data of information received into the States database Web transactions this includes, at a minimum: receive and respond to e-mail messages, text chat sessions, and instant messaging, co-browsing and online forums. Provide data content and order input of calls, products and services into Agency database. Provide real-time information processing and on-line reporting Provide on-going training to in-bound Information Specialists and out-bound Telesales Specialists

UNSECURED LOANS (US/UK)

2012

How to Proceed Welcome to 9xservices. We assume that you have gone through the entire project details. 9x services projects are simple and easy to start. Details about how to proceed for the project Step 1 Registration as vendor In order to start the project work you have to become a vendor of 9x services, Get membership by filling vendor registration form and attach all the required documents. Registration will be successful only if you provide all required documents. Step 2 Conformation of vendor You will be receiving a letter or email from 9x services, stating conformation of slot along with vendor code. Please make sure to apply vendors code were ever its essential. Step 3 Paying the charges With the help of vendor code you can pay documentation processing charges. Processing charges & royalty amount once paid will not be refunded. Step 4 Receiving of documents Xerox or Scan copy of incorporate certificate/ partnership / registered copy. Name of all directors/partners Performance sheet Letter of Interest Company Profile Project Application EIN Application Acceptance letter Employee List

UNSECURED LOANS (US/UK)

2012

Once the deposit amount is conformed we will send all documents e.g. Work Order, SLA, NDA, Royalty agreement, bank guarantee, advance pay checks and other project related documents. Step 5 Training Vendors will be issued Softwares, Installations, FTP User logins, Trail Data, Training, QC reports for trail data. Step 6 Getting Started 9xservices will take care of the entire project except operations and financials. 9x services will be with the vendor till you get your first invoice paid.