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National Pawnbrokers Association NPA 83rd ANNUAL CONFERENCE AND AGM 2014 Driving Your Business Forward Kindly Sponsored by;

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Presentation on theme: "National Pawnbrokers Association NPA 83rd ANNUAL CONFERENCE AND AGM 2014 Driving Your Business Forward Kindly Sponsored by;"— Presentation transcript:

1 National Pawnbrokers Association NPA 83rd ANNUAL CONFERENCE AND AGM 2014 Driving Your Business Forward Kindly Sponsored by;

2 National Pawnbrokers Association 83rd ANNUAL CONFERENCE AND AGM 2014 Ray Perry NPA Chief Executive

3 National Pawnbrokers Association Conference 2014 Ray Perry Driving Your Business Forward Stella Layton & Philip Newman Gold and Jewellery markets Kathy LyonsPCI Richard BarronReducing High St Crime Case study Regal Pawn- Pawn Stars UK J.Stocker/R.Wellings FCA- Getting Authorised Stephen AtkinsHow to comply Harriet MylesA view from the FOS Guest Speaker Barry HearnDriving Your Business

4 National Pawnbrokers Association Key Objectives Build NPAs profile in media- demonstrate values and professionalism Broaden customer base Develop skills and training base Work closely with Government and other stakeholders.

5 National Pawnbrokers Association Values Fairness and Transparency Expertise Professionalism and Excellence

6 National Pawnbrokers Association Key Messages Pawnbroking is just another way of borrowing money. A successful and established profession Often cheaper than a bank. No stigma attached- perfect choice for the middle classes and business loans.

7 National Pawnbrokers Association Media Campaign Achieved over 200 key media contacts, and circulation totalling; Over 70 million circulation

8 National Pawnbrokers Association MEDIA COVERAGE 2014 The World at One Daily Mirror

9 National Pawnbrokers Association Research Would You Use A Pawnbroker?

10 National Pawnbrokers Association Advertising

11 National Pawnbrokers Association Advertising

12 National Pawnbrokers Association Web- findapawnbroker.co.uk

13 National Pawnbrokers Association Web- findapawnbroker.co.uk

14 National Pawnbrokers Association Web- findapawnbroker.co.uk

15 National Pawnbrokers Association National Media and Online Campaign

16 National Pawnbrokers Association Consumer leaflet

17 National Pawnbrokers Association Consumer Leaflets Hi res PDF free Printed by NPA printer 1,000 5,000 £177 £247

18 National Pawnbrokers Association Qualifications-Online Module 1 Metal Testing and evaluation Module 2 Consumer Credit Law, Pawn Contracts Module 3 Hallmarking Law Module 4 Systems and Processes Module 5 Customer Service

19 National Pawnbrokers Association FCA Authorisation FCA workshops and todays Conference E mails and The Pawnbroker Help with completing forms Webinar- understanding processes? Our support-templates, helpline, consultancy service

20 National Pawnbrokers Association FCA Authorisation -Full Permission checklist -Regulatory Business Plan -Risk Management -NPA Guide -Complaints procedure, template, and log -TCF policy and procedures -A whistle blowing policy -Sales process for pawnbroking -Compliance monitoring chart -Business Continuity plan -Financial reporting -AML

21 National Pawnbrokers Association Creditworthiness No creditworthy checks for pawnbroking - Provided you add to contract wording to state that you will not pursue the customer When an article has been sold you will receive information about the sale, if the proceeds (less reasonable expenses) are more than the amount that would have been payable to redeem the article on the date of the sale you will be entitled to receive the extra amount. If the proceeds are less than the amount owed you will not be pursued for you will owe the Pawnbroker the shortfall

22 National Pawnbrokers Association Other Activity Surrey Council-Trading Standards- Primary Authority Police- Seizure Bank Accounts issue- Competition and markets Authority.

23 National Pawnbrokers Association NPA 83rd ANNUAL CONFERENCE AND AGM 2014 Driving Your Business Forward Kindly Sponsored by;


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