I passed my CeMAP qualifications last year and I read your publication from front to back, and find I learn plenty of new things each week. My concern is the way I have been instructed to self-certify applicants. I know what self-cert means, but there surely are limits? What I have been asked to do, I feel, is fraud.
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From my limited experience, I’d say that 90 per cent of my self-employed self-cert cases are not. The applicants are employed. I then have to put this information into the application. If you think that’s acceptable, how about the enhancing of the salary earned by the applicants?
These are all examples of the type of enhancing I have been instructed to carry out. A 50 year-old dinner lady becomes a catering consultant earning £50,000 a year, virtually every postman turns into a courier earning up to £60,000. A crane driver becomes a specialist heavy lifting consultant at £80,000. A part-time garden centre assistant is now a florist with her own business at £50,000. The list goes on. Am I being naïve – perhaps I am – but how on earth are these people going to repay their remortgages or loans? Their homes are immediately at risk because of the high amount borrowed. And where does that leave me?
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I told the company of my concerns and what happens? My three-month probation period is now up and it decides not to offer me permanent employment – in other words, ‘let’s take him out of the equation’. This is despite a very good track record.
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