Introduction
At T Dot UK Limited, we understand that managing finances can be a challenging and stressful task, especially when facing difficult life circumstances. As an FCA and ICO regulated credit broker, we are committed to providing a supportive and inclusive environment for all our consumers, particularly those who may find themselves in vulnerable situations. This policy outlines our dedication to ensuring fair treatment, transparency, and assistance to vulnerable consumers.
Understanding Vulnerability
We recognize that vulnerability can take many forms, and it is not always visible to others. It may arise from financial difficulties, health issues, life events, or other personal circumstances. We want to assure our consumers that we are empathetic to their needs and committed to providing the necessary support during their financial journey.
Our Role as a Broker
It is essential to understand that T Dot UK Limited is a broker, not a lender. Our primary function is to assist consumers in finding suitable loan options from our panel of FCA regulated lenders. By applying through our websites, we aim to match consumer applications with lenders who can offer appropriate financial solutions based on their individual needs and circumstances.
Consumer Protection and Regulatory Compliance
As a regulated credit broker, we ensure compliance with the relevant regulators. This ensures that all interactions with our consumers, particularly vulnerable ones, are handled with the utmost care and adhere to the highest standards of consumer protection.
Ensuring Fair Treatment and Transparency
We uphold the principles of Consumer Duty, ensuring that all our consumers are treated fairly, ethically, and transparently. We provide clear and easily understandable information about our services, including the terms and conditions, application process, how to opt-out and contact preferences.
Assistance for Vulnerable Consumers
We respect your privacy and understand the importance of personal choice.
If you prefer to prevent future applications from being submitted using your details, we are happy to accommodate your request for any period of time you specify.
If you consider yourself as a vulnerable consumer and wish to request a hold on any applications, we are here to assist you. Please reach out to us by sending an email to [email protected] and ask for us to put a hold on any applications. If you are comfortable, please tell us why you wish to be prevented from applying and we will do all we can to help.
Language
T Dot UK strives to ensure the information provided on our website is clear and easy to understand, if you need further assistance with understanding our service or wish to provide us feedback due to the language displayed on our website, please email us at [email protected].
If your primary language is not English, and you wish to translate the page, please follow the instructions below:
If you require further clarification or assistance when using our website or service, please do not hesitate to contact us and we can walk you through the process.
Safeguarding Your Information
The protection of your personal and financial information is of the utmost importance to us. We maintain robust data protection and security measures to ensure that your information is always safeguarded, in compliance with relevant regulations.
For more information about how we obtain, use, and store your data, please see our Privacy Policy here: https://t.uk/b-privacy/
Listening to Your Feedback
We are committed to improving our services and support for vulnerable consumers. Your feedback is invaluable to us, and we encourage you to share your thoughts and experiences to help us enhance our practices further.
At T Dot UK Limited, we firmly believe that through this comprehensive vulnerable consumer policy, we can better serve and support all our consumers during challenging times. Our commitment is to empower you with the knowledge and assistance needed to make informed decisions and navigate your financial concerns with confidence. We are here for you every step of the way.
Application Outcomes
We understand that not every application may result in the outcome you were hoping for. To give every application the highest chance of approval, we partner with a wide range of lending providers who consider all types of credit histories and income sources. If you're concerned about the result of your application, please don't hesitate to reach out to us.
Other Support
We're committed to exploring alternative solutions or services that may better suit your needs. For more support, please see the list of available services and contact details below.
| Organization | Area of Support | Website | Phone Number |
| Samaritans | Emotional support, suicide prevention | www.samaritans.org | 116 123 (24-hour helpline) |
| Mind | Mental health and bereavement support | www.mind.org.uk | 0300 123 3393 |
| Alcoholics Anonymous (AA) | Alcohol addiction support | www.alcoholics-anonymous.org.uk | 0800 9177 650 |
| GamCare | Gambling addiction support | www.gamcare.org.uk | 0808 8020 133 |
| Carers UK | Support for carers | www.carersuk.org | 0808 808 7777 |
| Age UK | Support for elderly care | www.ageuk.org.uk | 0800 678 1602 |
| National Debtline | Free debt advice and support | www.nationaldebtline.org | 0808 808 4000 |
| Citizens Advice | Legal, financial, and personal support | www.citizensadvice.org.uk | 0800 144 8848 |
| Refuge | Domestic abuse support | www.refuge.org.uk | 0808 2000 247 |
| Women’s Aid | Domestic violence support | www.womensaid.org.uk | 0808 2000 247 |
| The National Domestic Abuse Helpline | Domestic abuse helpline | www.nationaldahelpline.org.uk | 0808 2000 247 |
| Relate | Relationship counseling and family support | www.relate.org.uk | 0300 003 0396 |
| Shelter | Housing and homelessness support | www.shelter.org.uk | 0808 800 4444 |
| Family Lives | Family support and advice | www.familylives.org.uk | 0808 800 2222 |
| British Dyslexia Association | Dyslexia support | www.bdadyslexia.org.uk | 0333 405 4555 |
| CALM (Campaign Against Living Miserably) | Suicide prevention and mental health | www.thecalmzone.net | 0800 58 58 58 |
| MoneyHelper | Financial education and money advice | www.moneyhelper.org.uk | 0800 138 7777 |
| Turn2Us | Financial hardship support | www.turn2us.org.uk | 0808 802 2000 |
| Scope | Disability equality and support | www.scope.org.uk | 0808 800 3333 |
| Macmillan Cancer Support | Cancer support | www.macmillan.org.uk | 0808 808 0000 |
| Crisis | Homelessness support | www.crisis.org.uk | 0300 636 1967 |
| UK Visas and Immigration (UKVI) | Immigration advice and services | www.gov.uk/contact-ukvi | |
| Migrants’ Rights Network | Immigration and migrants' rights | www.migrantsrights.org.uk | |
| NACRO | Rehabilitation support for ex-offenders | www.nacro.org.uk | 0300 123 1999 |
| Unlock | Support for people with criminal convictions | www.unlock.org.uk | 01634 247350 |
| Language Line Solutions | Translation and interpretation services | www.languageline.com | 0800 169 2879 |
| Mencap | Support for people with learning disabilities | www.mencap.org.uk | 0808 808 1111 |
| National Autistic Society | Support for people with autism | www.autism.org.uk | 0808 800 4104 |
| BILD (British Institute of Learning Disabilities) | Support for people with learning disabilities | www.bild.org.uk | 0121 415 6960 |
| PIP (Personal Independence Payment) | Financial support for people with disabilities | www.gov.uk/pip | 0800 121 4433 |
| Learn Direct | Adult education and skills development | www.learndirect.com | 0800 101 901 |
| National Literacy Trust | Support for literacy improvement | www.literacytrust.org.uk | 020 7587 1842 |
Contact Us:
Email: [email protected]
Phone: 01202 122280
Postal Address:
T Dot UK Limited
Suite A, Floor 2, Avalon,
26-32 Oxford Road,
Bournemouth,
BH8 8EZ
We're here to assist you and address any questions you may have.
