Making slow progress

The nature of this present competitive environment is no more obvious than in the third-party finance sector as more creative sales and marketing initiatives have been brought into play to develop existing business, and to attract new customers. During the year, brokers will have witnessed the extremes of response to greater competition from, at one end, the reduction of finance rates through to, at the other, the development of new and broader services.

During the year this sector has seen j

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