- Bankruptcy
- Child Maintenance
- Debt Arrangements
- Judgments
- Miscellaneous
- Judgment
- Set Aside Judgment
- Satisfied Judgement
- CMG Judgment
- CMG Set Aside
- CMG Satisfied
- Administration Order
- Administration Order Revoked
- Administration Order Varied
- Sequestration
- Set Aside Admin Order
- Bankruptcy Order
- Satisfied Administration Order
- Bankruptcy Order Annulled
- Voluntary Arrangement
- Voluntary Arrangement Revoked
- Voluntary Arrangement Failed
- Voluntary Arrangement Completed
- Bankruptcy Restriction Order
- Bankruptcy Restriction Undertaking
- Scottish Trust Deed
- Debt Relief Order
- High Court Judgment
- High Court Judgment Satisfied
- High Court Judgment Set Aside
- Debt Relief Restriction Order
- Debt Relief Restriction Undertaking
Introduction
Financial Vulnerability UK 005 is a point in time check which returns Public Information data and can be used to identify potentially vulnerable individuals based on the amount & recency of the Public Information (e.g. CCJ, IVA, etc), as well as categorising the individual as either over 25 or under 25.
This service will leave a Identification Check footprint on the lenders profile of the person you are requesting information about.
The service can be used via API, Portal Quick Search and Case Management.
For API integration, please visit our Developer Documentation section about Finvul:
Categories and sources
These are the categories and sources included in this service.
Categories
Sources
Rules
The service response is customisable in terms of returned data by using the rules below to create a Fail/Pass criteria:
| Rule Name | Rule Text |
|---|---|
| V_EId_PAg18To24 | Data from a Primary data source found that indicates an age which is in the 18-24 category |
| V_EId_PSAg18To24 | Data from a Primary or Secondary data source found that indicates an age which is in the 18-24 category |
| V_EId_PSTAg18To24 | Data from a Primary, Secondary or Tertiary data source found that indicates an age which is in the 18-24 category |
| V_EId_AllAg18To24 | Data found on an included data source that indicates an age which is in the 18-24 category |
| V_PI_Insolvency | One or more insolvency records (active or satisfied) found |
| V_PI_Insolvency_Active | One or more active Insolvency records found |
| V_PI_CCJ_6M | One or more active CCJs within the last 6 months found |
| V_PI_CCJ_1K | One or more active CCJs with a total value over £1000 found |
| V_PI_CCJ_1K_6M | One or more active CCJs with a total value over £1000, and one or more CCJs within the last 6 months, found |
| V_PI_CCJ_2500 | One or more active CCJs with a total value over £2500 found |
| V_PI_CCJ_5000 | One or more active CCJs with a total value over £5000 found |
| V_PI_CCJ_Active1Yr | One or more active CCJs within the last 1 year found |
| V_PI_CCJ_Any1Yr | One or more CCJs within the last 1 year found |
| V_PI_CCJ_Active3Yr | One or more active CCJs within the last 3 years found |
| V_PI_CCJ_Any3Yr | One or more CCJs within the last 3 years found |
| V_PI_CCJ_1Active | One or more active CCJ records found |
| V_PI_CCJ_Any | One or more CCJ records found |
| V_PI_CCJ_2Active | Two or more active CCJ records found |
| V_PI_CCJ_ActiveAgU25 | Data found that indicates an age of under 25 and one or more active CCJs |
| V_PI_CCJ_AgU25 | Data found that indicates an age of under 25 and one or more CCJs |
| V_PI_CMO_Active | One or more Active Child Maintenance Order records found |
| V_PI_CMO | One or more Child Maintenance Order records found |
By default, all rules are active but depending on your compliance requirements, you can create your own custom interpretation profile with the set of rules you wish to apply.
Interpretation profile
This service uses our interpretation profile system to calculate the result.
An interpretation profile is a set of rules applied to the output of the service.
The rules that get triggered determine the overall result of the service.
We return the profile used in the response so nothing is hidden from you.
Using an interpretation profile gives a huge amount of flexibility.
It can be as complicated or as simple as you like as you get to decide what a Pass or Fail looks like.
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