Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

Contactless Payments

What are contactless payments?

Contactless is a phrase typically used to describe transactions carried out on modern credit and debit cards by touching the card to the card reader, without the need for the customer to enter a PIN. The concept also applies to the use of smartphones and other smart devices for payment such as Apple Pay or Google Pay.

Along with being programmed to take one payment from one card for any transaction, card readers are designed to reject payment if more than one card is presented at the same time.

Q: Are Contactless Card Payments Safe?

A: Due to the absence of PIN or signature verification, contactless purchases are typically limited to low value transactions. Despite this, contactless card payments are often interpreted as an easy target for fraudulent activity.

To minimise the potential risk, contactless payments can only be used for transactions totalling £30 or less within UK although the limit may differ overseas. If you wish to spend more than this a Chip and PIN payment will be required.

Q: How do contactless cards work?

The secure payments are typically made via Radio Frequency Identification (RFID) or Near Field Communication (NFC).

In contrast to mobile payments which can be made across a broad area, contactless card payments must be made in close physical proximity. The cashier needs to activate the terminal (the customer should be able to do this themselves at a self-service till) to reduce the risk of errors.

Jargon Buster

Use the links below and the resulting list of terms on the right to locate the term you are looking for. If you can't locate it, please get in touch.