Vulnerable Person Guide

What is a vulnerable customer?

When it comes to your finances, we to ensure you do not come to any harm. This is why we have identified vulnerable customer as individuals susceptible to harm because of personal circumstances, such as:

Age
A physical or learning disability
Physical or mental illness
Low literacy
Changes in circumstance e.g. bereavement, loss of employment
Communication difficulties
Money problems and over-indebtedness

A vulnerability can vary and not always be obvious, also temporary or permanent. Due to this, we understand our duty to protect the interests of vulnerable customers by:

Where we can identify those with disabilities; whose circumstances have changed in such a way that they’re now considered vulnerable.
Understanding the vulnerable persons needs.
Consider any actions/adjustments necessary to provide additional service/safeguards.

How do we support the needs of vulnerable customers?

We look out for warning signs and always consider our customers’ needs, treating everyone fairly as an individual so we can do what’s right. We’ll do our utmost to provide support, and make regular adjustments to our processes using specialist tools and resources.

Our customer service team help offer you the support you need. Whether you have specific accessibility needs or find yourself vulnerable in the short term, we always consider our customers’ needs on a case-by-case basis.

Third-Parties

We are happy to communicate with a third party on your behalf, if this would be beneficial to you. If you would like us to do this, we ask that you contact us online. We will then ask you some questions to verify your details. This is to ensure we have your permission to speak to another person on your behalf.

If you would like someone to act on your behalf and unable to contact us yourself to verify your details, one of the following may be required:

Signed letters of authority.
Appointeeships – BF57 forms from the Department for Work and Pensions.
General Powers of Attorneys – that have not been endorsed by the Court.
Power of Attorney Registrations.

General Power of Attorney – endorsed by the Court.
Enduring & Lasting Powers of Attorney issued in England and Wales.
Deputies – Court of Protection.
Trusteeships.
Powers of Attorney and/or Court Orders issued in the UK

For more information about powers of attorney, refer to the government website: Gov.uk
Online: www.gov.uk/power-of-attorney

Advisory Organisations

Age UK
Online: https://www.ageuk.org.uk
Phone: 0800 055 6112

Royal National Institute of Blind people
Online: https://www.rnib.org.uk
Phone: 0303 123 999

British Deaf Association
Online: https://bda.org.uk
Phone: 020 7697 4140

Mind
Online: https://www.mind.org.uk
Phone: 0300 1233 393

Dementia friends
Online: https://www.dementiafriends.org.uk
Phone: 0300 2225 855

Alzheimer’s Society
Online: www.alzheimers.org.uk
Phone: 0300 222 1122

Citizens advice
Online: www.citizensadvice.org.uk
Phone (England): 03444 111 444
Phone (Wales): 03444 77 20 20

Struggling with debt?

If you are in debt and struggling to pay your bills, we recommend you contact these organisations for free advice:

Step Change
Online: www.stepchange.org
Phone: 0800 138 1111

MoneyHelper
Online: www.moneyhelper.org.uk
Phone: 0800 138 7777

Citizens advice
Online: www.citizensadvice.org.uk
Phone (England): 03444 111 444
Phone (Wales): 03444 77 20 20

National Debtline
Online: www.nationaldebtline.co.uk
Phone: 0808 808 4000

For further information about how we operate, please see our Terms & Conditions and also Privacy Policy.

If you require any further help, please contact us

Pixieloans.co.uk is a trading style of Maxed Up Media Ltd. Company registered address: Maxed Up Media Ltd, Adamson House, Towers Business Park, Wilmslow Road, MANCHESTER, M20 2YY. (Company number 07162006). Maxed Up Media is an appointed representative of Serpable Ltd and regulated by the Financial Conduct Authority under reference 848096. (Serpable Ltd is authorised and regulated by the Financial Conduct Authority under reference number 799104)

* Loans can be paid into your bank account in less than one hour if the lender that has offered you a loan provides this service. In some instances, it can take up to 5 working days for a loan to be in your bank account. The lender will inform you when to expect the funds into your bank account.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Credit is available to 18 years and over. All loans are subject to status. A short-term, payday loan should be used for short-term financial needs only, not as a long-term financial solution. Never borrow an amount that cannot be repaid on your next pay period date. Missing repayments may have a negative effect on your credit rating and make it more difficult for you to obtain credit in the future.

The operator of this website is not a lender or short term loan provider and does not make loan or credit decisions. We are a credit broker, providing loan matching services and help connect consumers interested in obtaining short-term payday loans, installment loans, guarantor loans and secured loans in amounts between £100 and £5,000 with participating lenders or brokers in our network.

We do not charge you any fees to use our websites, services or products. Any commission received by us is paid by participating lenders or brokers if you choose one of their products or for referring you to them.

If you are matched with a participating lender or broker, you may be charged a fee directly by the participating lender or broker. Please be sure to read their terms and conditions before proceeding with any loan arrangement.

We work exclusively with a selected group of lenders and brokers to offer you a range of credit and loan products. We may receive a percentage of the loan amount as a commission from a loan provider or broker if you take out one of their products and/or we may receive a fee for introducing you to them.

You can request details of these commissions or fees, by emailing us. We will then provide you with the precise amount of the commission or fee or, where that amount is not known, the likely amount. Please note that the lender or broker we direct you to may not offer the cheapest loan that is available to meet your needs.