What to expect from us
What you can expect from us as a responsible financier when applying for financing:
- Products designed to meet your needs which we will promote in a balanced way, showing the risks as well as the benefits.
- Clear information on the amount of financing needed, any fees and charges that apply and our terms and conditions.
- A robust assessment of your ability to make regular payments, based on your current circumstances and allowing for any known or foreseeable changes.
- The use of credit scoring for all new financing to ensure a fair and consistent approach to deciding whether we will finance, underpinned by an underwriter assessment if appropriate.
- Under strict controls we may share data with other financiers to improve the quality of our decisions, to reduce the risk of customers becoming over-committed and to prevent financial crime.
- Personal information is treated confidentially and in accordance with Data Protection legislation. If you want to find out more, visit our Privacy Policy.
- Reasonable notice of payment changes affecting you.
- Prompt and professional handling of any queries or complaints you may have.
- Considerate treatment in the event of financial difficulties or arrears.