Like any individual, businesses are proud of their accomplishments and display their accreditations, after all businesses are run by individuals! So what does it mean to have a cleaning contractor that is ISO9001 registered? ISO9001 (Quality Management System) is awarded by British Standards Institute aiming to provide companies guidelines on how an organisation can standardise [...]
“Overspent over Christmas?” asks a poster from the Money Advice Service. Unfortunately for some, payday websites are asking the same. In 2012, a weight of political opinion gathered against high-interest loans to the financially vulnerable, with Labour peer Lord Mitchell describing “legalised loan-sharking” as “out of control”. Plans announced in December will empower the new [...]
Like any individual, businesses are proud of their accomplishments and display their accreditations, after all businesses are run by individuals!
So what does it mean to have a cleaning contractor that is ISO9001 registered?
ISO9001 (Quality Management System) is awarded by British Standards Institute aiming to provide companies guidelines on how an organisation can standardise it’s process, sets objectives for quality improvement, monitoring their effectiveness and finally via feedback loop, assess and continually improve the company’s processes and procedures.
The question is how does as consumer, you are effected if your Cleaning Contractor is ISO9001 accredited?
- The supplier in this instance would be much more proactive towards monitoring Quality in all aspects of their business & service delivery than a company that is acting reactively. Being a ISO9001 licensee, a company is required to have ‘Quality Objectives’ which are assessed every year so as to make improvements & understand the key drivers to Quality Management across the board.
- The company is audited by external auditors and the licence has to be renewed annually, and we all know the motivation when someone else is checking our work than if we alone are responsible !! As an Organisation this shows commitment to diligently work on improving their business processes and being audited year after year , reflects that would be a lot more aware of the quality of their service and have benchmarks , making standardisation possible.
- Generally accreditation like ISO9001 are required for large companies and government bodies, therefore if you are a smaller company you can take the benefit of all the work that has gone into making the organisation with superior service culture.
So here we are, unlike some accreditations where the use is pretty obscure to anyone directly involved , you can now recognise and even demand that any Cleaning Contractors are either ISO9001 certified or similar with ongoing commitment to improving the Quality of Service being offered to you as a Client.
Manu is the managing director of Green Facilities – an ISO9001 certified office cleaning company, and has found it essential to qualify for ISO9001 accredited member to help enhance their profile and be listed on the preferred supplier list (PSL) for corporate and public sector organisations. Manu can be found on Google+.
“Overspent over Christmas?” asks a poster from the Money Advice Service. Unfortunately for some, payday websites are asking the same. In 2012, a weight of political opinion gathered against high-interest loans to the financially vulnerable, with Labour peer Lord Mitchell describing “legalised loan-sharking” as “out of control”. Plans announced in December will empower the new Financial Conduct Authority to cap the cost of credit from 2014; meanwhile, the Office of Fair Trading – the current regulator – is due to publish its compliance review of the sector. Despite this, many individuals entered the lean month of January with no safe way out of their financial problems.
Commonly marketed as a quick solution to unplanned expenses, most payday loans are agreed for a one or two-month period; however, their high rates mean that rolling over or adding to a loan can send the final bill spiraling The Consumer Finance Association was among four industry bodies to agree to a new consumer charter in May 2012, guaranteeing clearer loan terms and mandatory information for borrowers in trouble. Russell Hamblin-Boone, the association’s chief executive, has stressed that responsible lenders do not purport to fix long-term problems, pointing to CFA evidence that 85% of recipients can repay the money owed without difficulty, while less than 19% of loans are used for non-vital expenses, such as gifts or holidays. There are some payday loan brokers on the market like cashcownow that are openly transparent about their lending practices and welcome the new incoming regulatory rules.
The position is less clear for potential customers. On the high street, food, cosmetics and other products are often advertised as “everyday treats” – life’s little luxuries, but essentials as well – in a way that makes us feel entitled to them. Arguments about willpower and education in personal finance will ring hollow to lower-income parents; most would struggle to put Christmas and birthday presents in the ‘inessential’ category. Problems run far deeper in some cases, as shown by the CFA’s statement that payday loans are not a defence strategy against homelessness. For some marginalised borrowers, the services offer momentary relief from stress – a cash injection that restores their confidence and buying power. As one customer puts it: “You feel like a millionaire for about ten minutes.”
A bigger picture – beyond regulation
Criticism of the banking sector since the government’s bailout measures has focused largely on a perceived reluctance to extend large-scale commercial credit. However, borrowing at household level has also remained depressed, particularly for people with scarred credit histories. Payday lending is defended as the only option for those trapped between exclusion from big-name banks and the outright danger of loan sharks, although other providers, such as micro-financiers and credit unions, may be available.
Movements such as the #Sharkstoppers campaign hope that social acceptability could prove a sharper than regulation, or may help to drive it. However, in some areas the profile of short-term loan providers is rising. Both Newcastle United and Blackpool football clubs draw support from some areas of economic hardship. Both have concluded sponsorship deals with a payday lender, despite disapproval from supporters’ groups – further proof of how loudly money talks.