The VRS is the UK’s first central register for vulnerable people. It is free to use, entirely voluntary, and users can remove themselves from it whenever they decide their circumstances have sufficiently improved.

By giving vulnerable consumers a single place to register their status, the VRS helps them avoid having to repeat the same difficult conversations every time they engage with organisations like lenders and creditors.

The VRS is a not for profit company limited by guarantee, so all income is reinvested in running the register and supporting vulnerable consumers, and is independent of any other database provider or credit reference agency. It has been developed following constructive dialogue over a long period with a range of stakeholders in the public, private, and charity sectors.

What do the flags mean?

Quite simply, these are abbreviations that show the source of the entry and the instruction to any User of the service around how they should deal with your circumstances. The table below explains this:

Originator

Auto Decline Flag / Description

Refer Flag / Description

A third party with a signed client authority or legal mandate to operate on the consumer’s behalf eg Power of Attorney registers the consumer on the VRS

TPd

A third party with a signed client authority or legal mandate to operate on the consumer’s behalf has registered the consumer on the VRS

The consumer’s representative has requested that no further financial or related services should be offered

TPr

A third party with a signed client authority or legal mandate to operate on the consumer’s behalf has registered the consumer on the VRS

The consumer’s representative has requested that any User decisions should be manually reviewed

The consumer identifies their own vulnerability with the VRS and self-registers

SEd

The consumer has identified a current vulnerability and has self-registered with the VRS

The consumer has requested that no further financial or related services should be offered

SEr

The consumer has identified a current vulnerability and has self-registered with the VRS.

The consumer has requested that any User decisions should be manually reviewed.