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Bazza, wraps aren't only for people on the poverty line- they can be for very affluent people as well. The impression I have is that Steve McKnight (a well known wrapper) aims at this lower end of the market- but Rick Otton aims at much more well-to-do people, who are credit impaired for a...

Bazza, I've seen both sides of wraps being done by the TV tabloids- "Shining knight helps unfortunates to own their own homes" or "Evil landlord rips of unfortunates". Rick Otton (as far as I remember) aims at well off people who cannot get finance through normal means- eg, high...