Affordability Assessment

Your Details

Each of your Lender’s had a statutory duty to undertake an assessment of your ability to repay the loan or credit without causing you undue difficulty. That means not advancing you credit which would result in you incurring or increasing debts which you would struggle to repay.

It will help us to help you if you would answer each of the following questions to the best of your recollection and belief.

1. Please enter your details:

2. Which financial institution do you want to provide details about? (This will be referred to as "the firm".)

3. Please provide the following details about this agreement:

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How the agreement was made

Please tell us the following about the process of opening this account.

1. Did you make the agreement...

2. How was the agreement made?

3. What was the purpose of the loan / credit?

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The Firm's Actions

Please provide details about the questions the Firm asked when you first opened the account.

1. Were you asked about your personal income?

2. Were you asked about your household income (eg the income of you and any partner living with you)?

3. Were you asked to provide any evidence of your personal income?

4. Were you asked to provide any evidence of your household income?

5. Were you asked about your other existing loans or credit?

6. Were you asked about other household existing loans or credit?

7. Were you asked about your personal monthly expenses (including loan or credit repayments)?

8. Were you asked about your household monthly expenses (including loan or credit repayments)?

9. Were you asked to provide any evidence of your household monthly expenses?

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Your Financial Circumstances

Please tell us the following about your circumstance at the time you made the agreement.

1. Income and expenses:

2. Your debts:

3. Were you behind with payments of personal loans or credit cards at the time?

4. Were you behind with payments of household loans or credit cards at the time?

5. Were you behind with payments of utilities, council tax or other outgoings at the time?

6. What was your employment status at the relevant time?

7. If you were employed or self-employed, were you aware of any circumstances which might affect that employment?

8. What was your partners employment status at the relevant time?

9. If your partner was employed or self-employed, were you aware of any circumstances which might affect that employment?

10. At the relevant time had you received, or were you subject to, any of the following?

11. How would you describe your domestic situation at the relevant time (eg relations with your partner)?

12. How would you describe your domestic situation at the relevant time?

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Impact on Your Circumstances

Please tell us the following about your circumstance at the time you made the agreement.

1. Did maintaining your loan or credit repayment cause you real difficulty?

2. Have you suffered any losses as a result of this loan?

3. Did maintaining your loan or credit repayment affect your personal well-being and/or your health?

4. Do you consider that the lender took reasonable steps to assess your ability to repay the loan or credit without causing you undue difficulty?

5. Please provide details of any other complaints you have about the lender.

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Are you ready to assert your rights?

In situations where you may have been struggling to meet debt repayments and have missed payment deadlines the company with whom you took out the debt will often sell it on to a third party who will then, using a variety of techniques, chase you for the outstanding amounts.

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