Are You A Vulnerable Customer?
As a responsible finance broker, regulated by the Financial Conduct Authority (FCA), we take customer care very seriously. Part of the process in finding the most suitable finance options for our customers, involves us ascertaining whether you are a vulnerable customer.
Applications from vulnerable customers may be handled differently. Take a moment to look through the list below and if you consider yourself to be a vulnerable customer for any reason, please make us aware as soon as possible. We will process your application carefully, taking into consideration all information provided.
Some of the main types of vulnerability are listed below but this is not an exhaustive list:
Mental Health
- Anxiety
- Depression
- Schizophrenia
- Bipolar disorder
- Post-traumatic stress disorder (PTSD)
Addiction
- Substance abuse (including alcohol or drugs)
- Problem gambling
Physical illness or disability
- Long-term illness
- Illness that affects daily life
- Disabilities
- Hearing or vision loss
Learning difficulties
- ADHD
- Dyslexia
Learning disabilities
Age
- Younger people (who may have less experience)
- Older people
Others
- Caring responsibilities
- Bereavement
- Relationship breakdown
- Job loss
Questions? CALL 0800 066 2888
Our experts are always ready to help
Do You Need Help or Advice?
The services listed below provide support to those who need it:
Mental Health Support
Samaritans
Support is available 24 hours a day, 365 days a year. They provide emotional support to anyone struggling to cope, in emotional distress or at risk of suicide.
Telephone: 116 123
Campaign Against Living Miserably – CALM
CALM run a free and anonymous helpline and a webchat service that is open daily from 5pm to midnight, aimed at helping prevent male suicide.
Telephone: 0800 58 58 58 (5pm-12am)
www.thecalmzone.net/help/get-help
Anxiety UK
Helps those with anxiety disorders with information and practical support.
Telephone: 0344 477 5774 (Mon-Fri 9.30am – 5.30pm)
Mind
Mind provides information and local support to those in England and Wales affected by mental health conditions.
Telephone: 0300 123 3393 (Mon-Fri 9am – 6pm)
Support in Mind Scotland
Offers support to anyone affected by mental illness.
Telephone: 0131 662 4359 (Tues –Fri 9am-4.30pm)
Bereavement Support
Cruse Bereavement Care
Cruse provide support, information and advice to bereaved people.
Telephone: 0808 808 1677 England, Wales and Northern Ireland (Mon & Fri 9.30am – 5pm, Tues, Wed and Thurs 9.30am – 8pm)
Telephone: 0845 600 227 Scotland (5p per min) (Mon-Tues 10am-8pm, Wed 10am-6pm, Thurs 10am-9pm, Fri 10am-4pm)
England, Wales and Northern Ireland – www.cruse.org.uk
Scotland – www.crusescotland.org.uk
Support for Carers
Carers UK
Carers UK provide advice, information and support to carers. They also have community carers groups to connect carers.
Telephone: 0808 808 777 England, Scotland and Wales (Mon & Tues 10am-4pm)
Telephone: 028 9043 9843 Northern Ireland
www.carersuk.org – England, Scotland and Wales
www.carersuk.org/northernireland – Northern Ireland
Relationship Support
Relate
Relate provides relationship support – to people of all ages and backgrounds around the UK.
Support for Those With Addictions
FRANK
Provides information about drugs, including support options available in local areas.
Telephone: 0300 123 6600 (24 hours)
Text: 82111
Drinkaware
Provides information and useful links to help those who have a problem with alcohol.
www.drinkaware.co.uk
Alcoholics Anonymous
AA help people who need help with a drinking problem to recover from alcoholism.
Telephone: 0800 917 7650
www.alcoholics-anonymous.org.uk/
Support for those with disabilities
Scope
Provides disability information and advice.
Telephone: 0808 800 33 33 (Mon – Fri 9am-5pm)
Support for those experiencing abuse
Men’s Advice Line
Provides advice and support for men around the UK who are experiencing abuse and domestic violence
Telephone: 0808 801 0327 (Mon – Fri 9am-5pm)
Women’s Aid
Provides advice and practical information for women who are affected by domestic abuse
Telephone: 0808 2000 247 (24 hour)
Support for Older People
Age UK
Advice and information for older people
Telephone: 0800 678 1602(8am -7pm 365 days a year)
Support for Those With Criminal Convictions
Unlock
An independent charity helping people with convictions to move on positively by empowering them with information, advice and support.
Helpline: 01634 247 350(Mon –Fri 10am –4pm)
Debt Support
StepChange Debt Charity
StepChange offer free expert debt advice and debt management.
Telephone: 0800 138 111 – Debt advice (Mon-Fri 8am-8pm, Sat 8am-4pm)
Telephone: 0300 303 7037 – New Debt Management Plans (Mon-Fri 8am-6pm)
Telephone: 0300 303 2469 – Debt settlement (Mon-Fri 9am-5pm)
https://www.stepchange.org/start.aspx (Free debt advice online assessment)
https://www.stepchange.org/contact-us.aspx (Webchat – Mon-Fri 8am-6pm, Sat 9am- 2pm)
