Vulnerability describes circumstances — ill health, bereavement, caring duties, acute stress — that make it harder to deal with an account and may call for extra support.
In practice
A director in vulnerable circumstances can ask for extra support: adjusted contact, more time, or a nominated person to deal with us. Telling us is treated sensitively and confidentially, and it changes how we handle things for the better, not the worse.
We lend only to UK limited companies and LLPs, and the loan is to the company with no director personal guarantee. As business finance outside the consumer-credit regime, it is not covered by the Financial Ombudsman Service or FSCS.
See also: How we support vulnerable customers and directors, Asking for extra support as a director under pressure, I need extra support — how do I tell you?.