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		<title>Fraud Reviews</title>
		<link>http://www.rockstead.co.uk/expert-witness-updates/fraud-reviews/</link>
		<comments>http://www.rockstead.co.uk/expert-witness-updates/fraud-reviews/#comments</comments>
		<pubDate>Tue, 07 May 2013 09:20:08 +0000</pubDate>
		<dc:creator>blaze</dc:creator>
				<category><![CDATA[Expert Witness Updates]]></category>

		<guid isPermaLink="false">http://www.rockstead.co.uk/?p=834</guid>
		<description><![CDATA[In June 2011 the FSA produced a thematic review looking at mortgage fraud being perpetrated against lenders and visited a number of mortgage lenders to specifically assess their anti-fraud policies and procedures. One of the findings was summarised as “While the majority of firms had systems in place to track and manage mortgage arrears, few [...]]]></description>
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		<title>Solving short term staffing issues</title>
		<link>http://www.rockstead.co.uk/asset-review-updates/solving-short-term-staffing-issues/</link>
		<comments>http://www.rockstead.co.uk/asset-review-updates/solving-short-term-staffing-issues/#comments</comments>
		<pubDate>Thu, 25 Apr 2013 08:51:00 +0000</pubDate>
		<dc:creator>blaze</dc:creator>
				<category><![CDATA[Asset Review Updates]]></category>
		<category><![CDATA[Ireland Updates]]></category>

		<guid isPermaLink="false">http://www.rockstead.co.uk/?p=826</guid>
		<description><![CDATA[The reluctance to increase fixed costs as growth forecasts remain unpredictable is completely understandable and we would say, necessarily prudent, in the current climate. With increasing regulatory oversight, it is crucial to ensure that not only is the customer getting good service delivery, but also that operational efficiency is maximised. What is needed in the [...]]]></description>
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		<title>Jackson Reforms &#8211; our view</title>
		<link>http://www.rockstead.co.uk/expert-witness-updates/jackson-reforms-our-view/</link>
		<comments>http://www.rockstead.co.uk/expert-witness-updates/jackson-reforms-our-view/#comments</comments>
		<pubDate>Mon, 15 Apr 2013 15:40:33 +0000</pubDate>
		<dc:creator>blaze</dc:creator>
				<category><![CDATA[Expert Witness Updates]]></category>

		<guid isPermaLink="false">http://www.rockstead.co.uk/?p=803</guid>
		<description><![CDATA[The ‘Jackson reforms’ have now been implemented. Although primarily aimed at an overhaul of personal injury litigation, the reforms will have consequences for all commercial litigation. Despite the fact that expert evidence only plays a minor part in such litigation, a number of the changes will directly affect, and should benefit, professional expert witnesses. One [...]]]></description>
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		<title>Data Integrity Verification – our recent experience</title>
		<link>http://www.rockstead.co.uk/asset-review-updates/data-integrity-verification-%e2%80%93-our-recent-experience/</link>
		<comments>http://www.rockstead.co.uk/asset-review-updates/data-integrity-verification-%e2%80%93-our-recent-experience/#comments</comments>
		<pubDate>Thu, 28 Mar 2013 08:55:14 +0000</pubDate>
		<dc:creator>blaze</dc:creator>
				<category><![CDATA[Asset Review Updates]]></category>
		<category><![CDATA[Ireland Updates]]></category>

		<guid isPermaLink="false">http://www.rockstead.co.uk/?p=797</guid>
		<description><![CDATA[Since expanding operations into Ireland and Spain, we have undertaken a number of loan book audits on behalf of purchasers. We have been involved in the assessment of a wide variety of loan book types, including prime rmbs, cmbs, auto financing and unsecured, and a common trend throughout the audits executed is a significant level [...]]]></description>
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		<title>Tick Box Underwriting</title>
		<link>http://www.rockstead.co.uk/expert-witness-updates/tick-box-underwriting/</link>
		<comments>http://www.rockstead.co.uk/expert-witness-updates/tick-box-underwriting/#comments</comments>
		<pubDate>Fri, 08 Mar 2013 15:10:30 +0000</pubDate>
		<dc:creator>blaze</dc:creator>
				<category><![CDATA[Expert Witness Updates]]></category>

		<guid isPermaLink="false">http://www.rockstead.co.uk/?p=793</guid>
		<description><![CDATA[We have noticed an increasing number of articles in the trade press aimed at persuading lenders to move away from ‘tick box’ underwriting to a more personalised approach to assessing loans. The general concern seems to focus on the issue of a number of loans being turned down for being slightly outside the lender&#8217;s usual [...]]]></description>
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		<title>Are customers getting a fair hearing?</title>
		<link>http://www.rockstead.co.uk/asset-review-updates/are-customers-getting-a-fair-hearing/</link>
		<comments>http://www.rockstead.co.uk/asset-review-updates/are-customers-getting-a-fair-hearing/#comments</comments>
		<pubDate>Wed, 20 Feb 2013 17:05:39 +0000</pubDate>
		<dc:creator>blaze</dc:creator>
				<category><![CDATA[Asset Review Updates]]></category>

		<guid isPermaLink="false">http://www.rockstead.co.uk/?p=726</guid>
		<description><![CDATA[It is not easy ensuring that operations areas within lenders and servicers are adhering to internal or external standards when dealing direct with consumers, particularly by telephone contact. There is a potential minefield of regulatory and compliance issues to consider. And with hundreds of call centre staff to supervise, how can organisations ensure their representatives [...]]]></description>
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		<title>Risk Identification</title>
		<link>http://www.rockstead.co.uk/asset-review-updates/risk-identification/</link>
		<comments>http://www.rockstead.co.uk/asset-review-updates/risk-identification/#comments</comments>
		<pubDate>Thu, 24 Jan 2013 11:51:44 +0000</pubDate>
		<dc:creator>blaze</dc:creator>
				<category><![CDATA[Asset Review Updates]]></category>

		<guid isPermaLink="false">http://www.rockstead.co.uk/?p=682</guid>
		<description><![CDATA[When driving a car it’s obvious that you need to keep your eyes on the road ahead, but it’s a poor driver who does not look in the rear view mirror from time to time or learn from past driving experiences. Similarly within the mortgage industry we are all focused on the way ahead, hoping [...]]]></description>
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		<title>Interest Only is it really a ticking time bomb?</title>
		<link>http://www.rockstead.co.uk/asset-review-updates/interest-only-is-it-really-a-ticking-time-bomb/</link>
		<comments>http://www.rockstead.co.uk/asset-review-updates/interest-only-is-it-really-a-ticking-time-bomb/#comments</comments>
		<pubDate>Mon, 26 Nov 2012 09:18:08 +0000</pubDate>
		<dc:creator>blaze</dc:creator>
				<category><![CDATA[Asset Review Updates]]></category>

		<guid isPermaLink="false">http://www.rockstead.co.uk/?p=677</guid>
		<description><![CDATA[The MMR clearly retains the overarching ‘responsible lending’ rule, but one of the key elements of the reforms specifically focusses on interest only. In a nutshell, from April 2014, when the new rules kick in, lenders must assess affordability on a capital and interest basis, unless there is a clearly understood and believable alternative source [...]]]></description>
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		<title>The Importance of Valuation Instructions</title>
		<link>http://www.rockstead.co.uk/expert-witness-updates/the-importance-of-valuation-instructions/</link>
		<comments>http://www.rockstead.co.uk/expert-witness-updates/the-importance-of-valuation-instructions/#comments</comments>
		<pubDate>Wed, 31 Oct 2012 14:16:31 +0000</pubDate>
		<dc:creator>blaze</dc:creator>
				<category><![CDATA[Expert Witness Updates]]></category>

		<guid isPermaLink="false">http://www.rockstead.co.uk/?p=635</guid>
		<description><![CDATA[Phimister v DM Hall LLP [2012] CSOH 169 The issue was the scope of the surveyor’s duty to a purchaser. Phimister sought damages from DM Hall for professional negligence in respect of a mortgage valuation report, on the grounds that the firm owed him a duty of care to check the area of the property [...]]]></description>
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		<title>Can you afford not to keep your records up to date?</title>
		<link>http://www.rockstead.co.uk/asset-review-updates/can-you-afford-not-to-keep-your-records-up-to-date/</link>
		<comments>http://www.rockstead.co.uk/asset-review-updates/can-you-afford-not-to-keep-your-records-up-to-date/#comments</comments>
		<pubDate>Wed, 31 Oct 2012 14:12:37 +0000</pubDate>
		<dc:creator>blaze</dc:creator>
				<category><![CDATA[Asset Review Updates]]></category>

		<guid isPermaLink="false">http://www.rockstead.co.uk/?p=631</guid>
		<description><![CDATA[We first reported on the accuracy of data held by lending institutions in June 2011, but it appears the issue is far from being resolved. The recent fine levied by the Financial Services Authorities (FSA) on Bank of Scotland (BOS) for failures within their systems to keep accurate mortgage records for its customers, highlights there [...]]]></description>
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