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.

Summary Box

What is a Summary Box?

A Summary Box (sometimes known as a Schumer Box) is a box containing information that appears prominently on credit application forms that shows clearly the costs of credit and in particular, any fees charged for late payments, bounced cheques, duplicate statements and other aspects.

They are most commonly known as summary boxes, but have also been called transparency boxes, consumer boxes, clarity boxes and honesty boxes.

Summary Boxes have been compulsory in the US since 1989 but they weren’t made a requirement in the UK until 2004.

In March 2005, the APACS Summary Box guidelines were incorporated into the latest version of the Banking Code, ensuring continued use of the Summary Box across all marketing materials by every card issuer. The industry has also committed to display a version of the Summary Box on all monthly credit card statements and designed a version specifically for use with credit card cheque offers.


Q: What information is included?

A: Any information that discloses how much you may liable for when taking out the credit agreement is included in the box. This includes the representative APR, any annual fees, grace periods and other relevant fees.

Jargon Buster

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