Vulnerability Registration Service (“VRS”)

Is a platform providing vulnerable consumers with a single reference point for recording their personal circumstances at a given point in time when they are looking to protect themselves against further debt or related financial problems.

A psychiatrist offers some reassurance to a vulnerable patient. Part of a series of images relating to mental health issues with a young adult female client in discussion with a mature counsellor.

Vulnerability Registration

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Adult man praying at an empty bed in the hospital ward.

Vulnerability affects
us all

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Fresh basil leaves blooming in a young child open hands. Shallow DOP, focus on the leaves. Caucasian child of about 3 year's old, white background. Horizontal studio shot in natural light. Copy space.

VRS benefiting vulnerable

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Those who work with vulnerable consumers, and those who have them as their customers, have both been searching for a long time for a way in which these people could be better protected from debt and financial distress. And we know consumers themselves find it difficult to navigate their way through what they need to do to protect themselves at a time of distress and personal difficulty.

The Vulnerability Registration Service will allow consumers, and those who represent them, to register their personal circumstances and will alert those offering financial products to the need for care when dealing with them. Everyone should benefit.

Jill Stevens Consumer Affairs and Money Advice Expert

An interesting and laudable initiative.

Philip King Chief Executive, Chartered Institute of Credit Management

The Vulnerability Registration Service rightly aims to add a further level of protection for those whose vulnerability affects their ability to properly manage money. I believe it should be given the chance to succeed and that of course means co-operation at all levels; registration and searching both in lending and collections. As with all genuine efforts to improve the lot of those less able to help themselves, it deserves careful examination from all players in the personal debt arena- advisers, creditors and debt collection companies.

Anthony Sharp Industry Consultant

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