The CQS (Salary Secured Loans) Business Unit is responsible for consumer credit-granting. The core business is identifiable, also thanks to the experience that the structure expresses, about Salary and Pension Secured Loans. The activity is carried out mainly through direct disbursement but also through the distribution and marketing of third-party financing. In particular, the significant agreements with banking counterparties allow us to offer our customers, alongside the guaranteed financing products, Mortgage Loan, Credit Cards and Personal Loan.
The distribution model of the CQS Business Unit is divided into three levels. The structures directly attributable to MCE Locam in the area are the two branches located in Rome and Milan. The single-firm agency network that distributes MCE Locam credit products refers to the four poles in the territory.
A network of trained agents, strongly motivated and linked to MCE Locam by trustworthy relationships built up over years of collaboration, is present on the national territory and distributes the direct product on a one-firm basis.
“E’ Agente in attività finanziaria il soggetto che promuove e conclude contratti relativi alla concessione di finanziamenti sotto qualsiasi forma o alla prestazione di servizi di pagamento, su mandato diretto di intermediari finanziari, istituti di pagamento, istituti di moneta elettronica, banche o Poste Italiane. Gli stessi possono svolgere esclusivamente l’attività appena indicata, nonché attività connesse o strumentali alla medesima.“
cfr. art. 128-quater, comma 1, del TUB
MCE Retail S. r. l. , an Agent in Financial activities registered with OAM under number A9257, is linked to MCE Locam by a mandate as a one-firm agency and is controlled by Locam S. p. A.
MCE Retail has about 20 employees in Italy, particularly at the branches of MCE Locam S. p. A.
Linked to the agent MCE Retail S. r. l. and placed in a strictly structured and controlled business context, employees distribute the product MCE Locam S. p. A. mainly in the regions of Lazio and Lombardy where the two corporate contact centers are located.