Putting people at the heart of every decision

The Vulnerability Registration Service (VRS) exists to make life easier for people in vulnerable situations - and to help organisations treat customers with fairness, dignity, and understanding.

Our Partners
FAQs

Our Mission

To create a single, secure place where people can register their vulnerabilities once and have that information shared with trusted organisations that need to know.

We believe everyone deserves fair treatment, without having to repeat difficult circumstances again and again.

The Advisory Board

A professional man with short, light brown hair, wearing a dark striped suit and red tie, standing in front of a blue sign with partially visible text.
A woman with dark brown hair wearing a black blazer is in a restaurant setting with dim lighting.
Close-up of a middle-aged woman with short blonde hair, glasses, and a black top, smiling at the camera.
Headshot of a woman with long wavy blonde hair, blue eyes, and a slight smile, wearing a black top against a dark background.

The VRS Advisory Board brings together specialists from the public and private sectors, each contributing deep insight into consumer affairs, finance, regulation, and vulnerability.

  • Kevin Still has spent more than 30 years in financial services and debt-advice innovation. He has held senior roles in the debt-collection and credit-management industries and is recognised for promoting ethical practice, transparency, and collaboration between creditors and advice providers.

  • Natalie Kerr has over 25 years of experience in financial services and risk management. She has held senior roles focused on consumer protection, operational strategy, and vulnerable-customer policy. As Chair, Natalie provides independent oversight and ensures that the Advisory Board maintains its focus on fairness, transparency, and measurable social impact.

  • Lex Jones leads Registry Trust, the UK’s official register of court judgments, orders, and fines. She brings extensive knowledge of financial resilience, data sharing, and consumer credit. Lex supports VRS in aligning responsible data use with fair-outcome frameworks that protect individuals in vulnerable circumstances.

  • Jane Eckford has an extensive career in senior public-sector leadership, specialising in governance, transformation, and organisational change. She advises on cross-sector collaboration and ensures that VRS continues to embed public-interest principles at the heart of its strategy.

Our People

Portrait of a middle-aged man with light skin, short blond hair, and a beard, wearing a dark suit, white shirt, and dark tie, against a plain light background.
A middle-aged man with light hair, dressed in a dark suit, white shirt, and striped tie, smiling slightly in a warm indoor setting.
A man with glasses, a beard, and receding hairline wearing a dark suit, white shirt, and patterned tie
A man with glasses and short light brown hair, wearing a black shirt, standing outdoors with trees and greenery in the background.

The Directors of VRS bring together decades of experience in compliance, consumer protection, and data governance.

  • Has extensive experience in consumer affairs, data protection, and credit referencing. As Chief Executive Officer and spokesperson for the Vulnerability Registration Service (VRS), she is a strong advocate for collaborative working across businesses to ensure that vulnerable customers receive appropriate, tailored support.

    Helen champions the VRS as a platform that empowers consumers to share information about both financial and non-financial vulnerabilities, helping organisations to better understand their needs and provide a clear pathway to appropriate support and assistance.

  • is a distinguished leader in the fields of customer credit and collections, bringing over four decades of expertise to his role. Nigel has demonstrated exceptional proficiency in asset recovery, dispute resolution, and the establishment of offshore collection operations. His career is marked by numerous significant accomplishments, such as designing and implementing comprehensive collections and recovery policies that adhere to industry standards like ISO 9001 and ISO 27001. His deep commitment to supporting vulnerable customers has been instrumental in developing and refining processes that provide them with effective and compassionate care.

  • Bruce Turnbull is a credit professional with extensive operational experience in consumer and motor finance in the UK and overseas. His most recent areas of expertise involve providing consultancy in the credit reference and systems software industries, and latterly, as a founding member and director of the Vulnerability Registration Service.

  • Tony Leach is one of the founding directors of the VRS and has over 40 years experience in Financial Services including 20 years in senior positions in Experian and over 10 years working for Corelogic/Teletrack  to establish a real-time shared payment performance database for the High Cost Short Term Credit Market. With this background Tony is a strong supporter of data sharing to benefit vulnerable consumers to ensure they are treated appropriately and is involved in discussions with Lenders and Service Providers to encourage the wider reciprocal sharing of data.

  • Has extensive experience in marketing and communications across regulated organisations for 30 years. Simon is the VRS’s main point of contact for clients and consumers.

Transparency, Accountability, and Collaboration

Both the Advisory Board and the Board of Directors share a common goal — to improve outcomes for vulnerable individuals.
Their combined expertise ensures that VRS continues to operate responsibly, ethically, and in line with the highest standards of UK data protection and consumer care.