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.

Oral Examination

What is an Order to Obtain Information (Oral Examination)?

An Order to Obtain Information (formerly called an “Oral Examination”) is used by creditors to help them determine what to do before enforcing a CCJ. During the examination you will be asked what assets you own so that they can work out the most effective way to recover the outstanding debt.

The Creditors can apply for an order for you to appear in court for an oral examination; if you do not turn up, in theory a warrant for your arrest and imprisonment may follow.


Q: What kind of questions are asked?

A: You’re likely to be asked your regular monthly income and outgoings, your current job and place of work, along with questions about any properties you own.

Jargon Buster

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