Interesting thread, which makes a very pleasant change
My understanding is that 123ds do exactly that, calling all the leads themselves and then selling on "done deals". From what I've heard, these deals work out very well for the merchants, but their affiliates complain about high rejection rates.
We have considered taking this approach, but have decided against it for several reasons:-
1) Regulations - we are not qualified to offer financial advice on the phone (not sure how 123ds cover this?).
2) Overhead - staff and equipment would be needed. In a downturn, these overheads would not reduce.
3) Time - this is the real clincher - it would involve effort on our part!
On balance, it is my view that the increased margins available from such an approach would be more than negated by the associated increased costs. Add to this the additional time required to manage it and it becomes a very unattractive proposition.
And please, before all the call centre people flood me with offers of help, let me make one thing clear - we are NOT going to do this ever.