Rams had already cut small aggregators, and a minority of broker relationships, in recent months, a decision at the time tied to service standards.The service standards of Rams are perceived as weak, though this is the view of many originators of most key lenders (as it is, for example, for the core Westpac brand).Rams uses Unisys Credit Services for processing under a contract inherited from the prior owners of the business.Unisys has reported a loss of $9 million from servicing Rams' loans in 2008 as well as the back book of RHG, according to accounts released only in late 2009. The servicing business lost $12 million in 2007.