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.

Health Insurance

What is Health Insurance?

Health Insurance is sometimes offered by lenders to provide financial protection in the event of sickness or accidental injury. The chances of your application being accepted are not affected if you do not to choose this option and as such you shouldn’t be pressured into choosing it. Health insurance on a loan is a form of Payment Protection Insurance.

While these policies can help some customers make loan payments, they may not suit everyone: for example, you need to be off work for a set amount of time before the payments can kick in to insure you actually are unfit for work. Similarly, there is a limit to how long the insurers will provide cover so you can’t end up relying on them entirely to repay the loan.

Premiums are either paid as an initial lump sum or on top of your monthly repayments. The term that it runs for can be limited to specific period however most policies will offer cover until retirement age, although this may increase the premium of the policy.

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.

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