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Consumer Credit Data: Relevant Ancillary Credit Firm

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Section 1
Reporting fields for a firm with permission to carry on the regulated activity of credit broking

Section 1.1
Credit broking – permissions

Tell us about your permissions. Some questions will only apply if you have not undertaken or do not intend to undertake any relevant credit-related regulated activity.

Applicable to all Credit Broking Firms

101A Our systems show that you have the credit broking permission. Which of the following activities have been undertaken using that permission? A – Introducing an individual to a prospective lender with a view to them entering into a credit agreement
B – Introducing an individual to another person, with a view to that person entering into a consumer hire agreement as owner
C – Introducing an individual who wishes to enter into a credit agreement or consumer hire agreement to another person that carries on a credit broking activity under options (A) or (B)
D – Charging a fee in relation to one of the credit broking activities described in article 36A(1)(d-f) of the Regulated Activities Order only and not options (A), (B) or (C) above
E – Haven’t undertaken any activities in the past 12 months but expect to undertake activities in the next 12 months
X – None of the above
102A Why do you hold your credit broking permission? A – Applied to cancel authorisation or to vary permission to remove credit broking
B – Required to hold the permission as a provider of ‘home credit’ or ‘payday’ lending to comply with the Competition and Markets Authority Review of Home Credit Market Investigation Order 2007 (as amended) and Payday Lending Market Investigation Order 2015 (as amended) requirements to publish information on a price comparison website
C – Hold permission at the request of a lender or owner in order to be on their panel
D – Hold permission in relation to credit agreements secured by a legal or equitable mortgage on land only and not any other credit agreement or consumer hire agreement e.g., mortgage intermediaries
W – Other reason
103A If you have selected ‘W – Other reason’, please specify why you have not used your credit broking permission. [Free text]
104A Do you engage in credit broking activity in respect of individuals who wish to enter into credit agreements or consumer hire agreements which are wholly or predominantly for the purposes of a business carried on, or intended to be carried on, by the individual? A – Credit broking activity is solely in respect of agreements which are wholly or predominantly for business purposes
B – Credit broking activity is mostly in respect of agreements which are wholly or predominantly for business purposes
C – Credit broking activity is sometimes in respect of agreements which are wholly or predominantly for business purposes
D – Credit broking activity is never in respect of agreements which are wholly or predominantly for business purposes
105A Do you engage in credit broking activity in respect of any of the following types of financial product? A – Finance for specific goods or services other than insurance premiums
B – Finance for insurance premiums
C – Credit agreements secured on land
D – Cash loans
E – Credit cards
F – Overdrafts
W – Any other credit agreements

Section 1.2
Credit broking – credit agreements (apart from finance for specific goods and services other than insurance premiums)

Tell us about the credit agreements in respect of which you act as a credit broker

Applicable to all Credit Broking Firms

Please provide us with the following information:

· 106B-W – Total number of introductions made by your firm (excluding activity of your appointed representatives, if you have any)
· 107B-W – Total number of introductions made by appointed representatives of your firm

This information is to be provided for each type of credit agreement (apart from finance for specific goods and services other than insurance premiums) reported in 105A.

Section 1.3
Credit broking – goods and services

Tell us about the goods and services you broker finance for. This section only applies if you broker finance for goods and/or services.

Applicable to all Credit Broking Firms

108A Which of the following goods and services relate to your firm’s engagement in credit broking activity? A – Goods – Motor vehicles
B – Goods – Mobility aids
C – Goods – Home improvement
D – Goods – Mobile phones
E – Goods – Jewellery and watches
F – Goods – Household goods
G – Goods – Sports and leisure goods
H – Goods – Mobile homes
I – Goods – Tools
J – Goods – Agriculture equipment and supplies
K – Goods – Other plant machinery
L – Goods – Office equipment
M – Goods – Health care and medical care equipment
N – Goods – Other
O – Services – Health care and medical care
P – Services – Education and training
Q – Services – Travel
R – Services – Membership and subscription fees
109A Does your firm supply any of the following goods to individuals, with a view to the purchase being made on credit? A – Motor vehicles
B – Mobility aids
C – Home improvement
D – Mobile phones
E – Jewellery and watches
F – Household goods
G – Sports and leisure goods
H – Mobile homes
I – Tools
J – Agriculture equipment and supplies
K – Other plant machinery
L – Office equipment
M – Health care and medical care equipment
W – Other
X – Our firm does not supply goods to individuals
110A Does your firm supply any of the following services to individuals, with a view to the purchase being made on credit? A – Health care and medical care
B – Education and training
C – Travel
D – Membership and subscription fees
W – Other
X – Our firm does not supply services to individuals

Section 1.3.1
Credit broking – motor vehicles

This section only applies if your credit broking activity is related to motor vehicles.

Applicable to Motor Dealer Firms / Firms with Debt adjustment and debt counselling permissions

111A Which of the following types of vehicles do you arrange finance for? A – Cars
B – Mopeds, motorbikes or quad bikes
C – Vans or light goods vehicles (up to 3.5t)
D – Goods vehicles (3.5t to 7.5t)
E – Heavy goods vehicles (over 7.5t)
F – Motorhomes and campervans
G – Buses
H – Agricultural
I – Construction
W – Other
112A What is the condition of vehicles you arrange finance for? A – New
B – Used
Z – Unknown
113A Which types of finance are available on the vehicles you arrange finance for? A – Personal contract purchase (PCP)
B – Hire-purchase (HP)
C – Conditional sale
D – Any other type of credit
E – Consumer hire

Section 1.3.2
Credit broking – motor vehicles on credit agreements

Tell us about the vehicles you arrange finance for. This section only appears for credit agreements relating to motor vehicles.

Applicable to Motor Dealer Firms / Firms with Debt adjustment and debt counselling permissions

Please provide us with the following information:

· 114A-W – Total number of introductions made by your firm (excluding activity of your appointed representatives, if you have any)
· 115A-W – Total number of introductions made by appointed representatives of your firm

This information is to be provided for the vehicle types reported in 111A.

Section 1.3.3
Credit broking – motor vehicles on consumer hire agreements

Tell us about the vehicles on which you arrange consumer hire agreements. This section only applies for hire agreements relating to motor vehicles.

Applicable to Motor Dealer Firms / Firms with Debt adjustment and debt counselling permissions

Please provide us with the following information:

· 116A-W – Total number of introductions made by your firm (excluding activity of your appointed representatives, if you have any)
· 117A-W – Total number of introductions made by appointed representatives of your firm

This information is to be provided for the vehicle types reported in 111A.

Section 1.4
Credit broking – general goods and services

This section only appears if your credit broking activity is related to goods and services (apart from motor vehicles).

Applicable to Non-Motor Dealer Firms

118A What types of finance are available on the goods and services you sell? A – Hire purchase
B – Conditional sale
C – Any other fixed-sum credit
D – Running-account credit
E – Consumer hire

Section 1.4.1
Credit broking – general goods and services on credit agreements

Tell us about the goods or services you supply on credit agreements. This section only appears for credit agreements relating to goods and services (apart from motor vehicles).

Applicable to Non-Motor Dealer Firms

Please provide us with the following information:

• 119B-S – Total number of introductions made by your firm (excluding activity of your appointed representatives, if you have any)
• 120B-S – Total number of introductions made by appointed representatives of your firm

This information is to be provided for the goods and services reported in 108A.

Section 1.4.2
Credit broking – general goods and services on consumer hire agreements

Tell us about the goods or service you supply on consumer hire agreements. This section only applies for hire agreements relating to goods and services (apart from motor vehicles).

Applicable to Non-Motor Dealer Firms

Please provide us with the following information:

• 121B-S – Total number of introductions made by your firm (excluding activity of your appointed representatives, if you have any)
• 122B-S – Total number of introductions made by appointed representatives of your firm

This information is to be provided for the goods and services reported in 108A.

Section 1.5
Credit broking – supplementary

Applicable to all Credit Broking Firms

123A What extras or add-ons does your firm sell in support of the main goods or service, not included as part of the credit agreement or consumer hire agreement?
124A What extras or add-ons does your firm sell in support of the main goods or service, included as part of the credit agreement and consumer hire agreements?

Section 1.6
Credit broking – relationships with lenders, brokers and owners

Tell us about the lenders, brokers and owners your firm introduces to.

Applicable to all Credit Broking Firms

125A Who does your firm engage with in relation to your credit broking activities to individuals for the purposes of obtaining credit? A – Lenders unrelated to your firm
B – Lenders within the same group
C – Brokers unrelated to your firm
D – Brokers within the same group
E – Owners (consumer hire) unrelated to your firm
F – Owners (consumer hire) within the same group
G – None

Section 1.6.1
Credit broking – total introductions

Tell us about the details of the introductions made by your firm (excluding activity by appointed representatives, if you have any).

Applicable to all Credit Broking Firms

Please provide us with the following information:

· 126AA-FA – Total credit broking revenue
· 126AB-FB – Total commission earned
· 126AC-FC – Total fees from individuals
· 126AD-FD – Other revenue received
· 126AE-FE – Total commission / merchant fees paid
· 126AF-FF – Total introductions

This information is to be provided in relation to the lenders, brokers and owners you engage with under 125A.

Section 1.6.2
Credit broking – total introductions via appointed representatives

Tell us about the lenders, credit brokers and owners to which appointed representatives of your firm introduce individuals on your behalf.

Applicable to firms with Appointed Representatives

Please provide us with the following information (excluding activity of your appointed representatives, if you have any):

• 128A-132A – Name of lender
• 128B-132B – Firm reference number (if applicable)
• 128C-132C – Total introductions
• 128D-132D – Revenue
• 128E-132E – Commission / merchant fees paid

This information is to be provided in relation to the lenders you engage with under 125A.

Section 1.6.3
Credit broking – top 5 lenders

Tell us about the top 5 relationships with lenders by revenue. This section only applies if your firm has a relationship with one or more lenders for credit broking activities. Where there is no revenue made, please enter the top 5 lenders by commission or merchant fee paid to them.

Applicable to all Credit Broking Firms

Please provide us with the following information (excluding activity of your appointed representatives, if you have any):

· 128A-132A – Name of lender
· 128B-132B – Firm reference number (if applicable)
· 128C-132C – Total introductions
· 128D-132D – Revenue
· 128E-132E – Commission / merchant fees paid

This information is to be provided in relation to the lenders you engage with under 125A.

Section 1.6.4
Credit broking – top 5 lenders via appointed representatives

Tell us about the top 5 relationships with lenders by revenue. This section only applies if appointed representatives of your firm have a relationship with one or more lenders for credit broking activities. Where there is no revenue made, please enter the top 5 lenders by commission or merchant fee paid to them.

Applicable to firms with Appointed Representatives

Please provide us with the following information (excluding the activity of appointed representatives, if you have any):

· 138A-142A – Name of broker
· 138B-142B – Firm reference number (if applicable)
· 138C-142C – Total introductions
· 138D-142D – Revenue
· 138E-142E – Commission / merchant fees paid

This information is to be provided in relation to the brokers you engage with under 125A.

Section 1.6.5
Credit broking – top 5 brokers

Tell us about the top 5 relationships with credit brokers by revenue. This section only applies if your firm (excluding activity of your appointed representatives, if you have any) has a relationship with one or more credit brokers for credit broking activities. Where there is no revenue made, please enter the top 5 credit brokers by commission or merchant fee paid to them.

Applicable to all Credit Broking Firms

Please provide us with the following information (excluding the activity of appointed representatives, if you have any):

· 138A-142A – Name of broker
· 138B-142B – Firm reference number (if applicable)
· 138C-142C – Total introductions
· 138D-142D – Revenue
· 138E-142E – Commission / merchant fees paid

This information is to be provided in relation to the brokers you engage with under 125A.

Section 1.6.6
Credit broking – top 5 brokers via appointed representatives

Tell us about the top 5 relationships with credit brokers by revenue. This section only applies if appointed representatives of your firm have a relationship with one or more credit brokers for credit broking activities carried out on your behalf.

Applicable to firms with Appointed Representatives

Please provide us with the following information (generated by activity of your appointed representatives):

· 143A-147A – Name of broker
· 143B-147B – Firm reference number (if applicable)
· 143C-147C – Total introductions
· 143D-147D – Revenue
· 143E-147E – Commission / merchant fees paid

This information is to be provided in relation to the credit brokers you engage with under 125A.

Section 1.6.7
Credit broking – top 5 owners

Tell us about the top 5 relationships with owners by revenue. This section only applies if your firm (excluding the activity of appointed representatives, if you have any) has a relationship with one or more owners for credit broking activities.

Applicable to all Credit Broking Firms

Please provide us with the following information (excluding the activity of appointed representatives, if you have any):

· 148A-152A – Name of owner
· 148B-152B – Firm reference number (if applicable)
· 148C-152C – Total introductions
· 148D-152D – Revenue
· 148E-152E – Commission / merchant fees paid

This information is to be provided in relation to the owners you engage with under 125A.

Section 1.6.8
Credit broking – top 5 owners via appointed representatives

Tell us about the top 5 relationships with owners by revenue. This section only applies if appointed representatives of your firm have a relationship with one or more owners for credit broking activities.

Applicable to firms with Appointed Representatives

Please provide us with the following information (in respect of activity generated by your appointed representatives):

· 153A-157A – Name of owner
· 153B-157B – Firm reference number (if applicable)
· 153C-157C – Total introductions
· 153D-157D – Revenue
· 153E-157E – Commission / merchant fees paid

This information is to be provided in relation to the owners you engage with under 125A.

Section 1.7
Credit broking – declines

Tell us about declines following an introduction.

Applicable to all Credit Broking Firms

158A Does your firm introduce individuals that a lender or owner has declined for credit to another credit broker, lender or hirer outside of your standard panel? Yes/No

Section 1.8
Credit broking – firm remuneration

Tell us about how your firm is remunerated.

159A How is your firm remunerated for its credit broking activities? A – Flat fee for click through
B – Flat fee for introduction
C – Flat fee for successful credit agreement entered
D – Percentage of transaction value
E – Fee received from the individual
W – Other
X – No remuneration
Z – Not applicable

Section 1.8.1
Credit broking – revenue per channel

Tell us about the breakdown of revenue per channel. This section only applies if your firm charges a fee for its credit broking activities.

Applicable to all Credit Broking Firms

160A-W Please provide your firm’s revenue (excluding activity of your appointed representatives, if you have any) for each channel. A – Flat fee for click through
B – Flat fee for introduction
C – Flat fee for successful credit agreement entered
D – Percentage of transaction value
E – Fee received from the individual
W – Other
161A-W Please provide your firm’s revenue (generated through activity of your appointed representatives) for each channel. A – Flat fee for click through [Enter value]
B – Flat fee for introduction [Enter value]
C – Flat fee for successful credit agreement entered [Enter value]
D – Percentage of transaction value [Enter value]
E – Fee received from the individual [Enter value]
W – Other [Enter value]
162A Does your firm proactively notify individuals that you receive commission from the lender or owner? A – Always
B – Sometimes
C – No
D – Not applicable
163A Does your firm proactively tell individuals the value (or percentage) of the commission you receive? A – Always
B – Sometimes
C – No
D – Not applicable
164A When does your firm charge the individual fees for credit broking finance? A – On initial contact with the individual
B – Following introduction to a lender
C – Following introduction to another credit broker
D – Once the customer has been presented with the credit broker’s terms and conditions
E – Following provision of advice/recommendation to the customer
F – Following entry into a credit agreement
W – Other

Applicable to firms with Appointed Representatives

Section 1.9
Credit broking – sales channels

Tell us about your sales channels.

Applicable to all Credit Broking Firms

165A Which of the following channels have individuals used to purchase your products or services on credit? A – Online, including website and/or app
B – Email
C – Telephone
D – At your own physical premises, such as a store or dealership
E – In an individual’s home or dwelling
F – Other non-trade premises
G – Lead generation activities

Section 1.9.1
Credit broking – comparison tool

Tell us about your comparison tool.

Applicable to all Credit Broking Firms

166A Does your firm offer personalised digital credit comparison tools to individuals? Yes/No

Section 1.9.2
Credit broking – inside the individual’s home

Applicable to all Credit Broking Firms

167A Do you demonstrate the goods or service inside the individual’s home? Yes/No
168A Do you provide a quote for goods/services while inside the individual’s home? Yes/No
169A Do sales take place inside the individual’s home? Yes/No

Section 1.10
Credit broking – staff remuneration

Tell us about your staff remuneration. Certain questions will only apply if staff earn commission.

Applicable to all Credit Broking Firms

170A Are any of your staff involved with the selling of regulated financial products? Yes/No
171A How are your sales staff remunerated in relation to your regulated activities? A – Regular salary
B – Salary plus commission
C – Commission only
172A-B What is the average percentage split between your sales staff salaries versus commission? Salary [%] Commission [%]
173A How many FTE sales staff do you employ that can receive commission/direct remuneration in relation to your regulated activities? [Enter value]
174A What is your firm’s sales staff commission model? A – Variable commission based on value of product
B – Variable commission based on number of sales
C – Fixed commission based on value of product
D – Fixed commission based on number of sales
E – Flat fee
W – Other
175A Do your sales staff earn commission on the sale of goods or services? Yes/No
176A Do your sales staff earn commission on finance agreements? Yes/No

Section 2
Reporting fields for a firm with permission to carry on the regulated activities of debt adjusting and/or debt counselling

Section 2.1
Debt adjusting and/or debt counselling – permissions

Tell us about your permissions. Certain questions will only apply if you have not undertaken or do not intend to undertake any relevant credit- related regulated activities.

Applicable to all Credit Broking Firms

201A Our systems show that you have the debt adjusting and/or debt counselling permission(s). Which of the following activities have you undertaken in relation to debts due under a credit agreement or a consumer hire agreement? See PERG 2.7.8BG and PERG 2.7.8CG for details of the activities that fall within debt adjusting and debt counselling, respectively. Select all that apply.
202A Why have do you hold debt adjusting and/or debt counselling permission? Select one option only.
203A If you have selected ‘W – Other reason’, then please specify why you have not used your permission? N/A

Section 2.2
Debt adjusting and/or debt counselling – business model

Applicable to Firms providing Debt Advice / Debt Solutions

204A Are you a firm that offers money/debt advice and/or provides debt solutions? Select one option only.

Please answer in respect of relevant activity undertaken in the past 12 months (if applicable). If not applicable, then please answer in respect of activity your firm intends to undertake within the next 12 months.

‘Money advice’ means general advice on money-related issues such as budgeting, utility bills or council tax.

‘Debt advice’ means giving an opinion as a guide to action to be taken, in this case the liquidation of debts. It either explicitly or implicitly steers the individual to a particular course of action as set out in PERG 17.5G.

Should you refer individuals for a debt solution to another firm in the same umbrella group of companies as your own firm, select ‘C – Money/debt advice and debt solutions, in which the debt solution is provided by another firm’.

Section 2.3
Debt adjusting and/or debt counselling – fees and revenues

Applicable to Firms providing Debt Advice / Debt Solutions

205A What are the different types of money/debt advice that your firm offers? Select all that apply.
206A Are individuals charged a fee for money/debt advice that your firm offers? This includes any administration fee for using your firm’s service for debt advice.
207A Do you charge a standalone fee for money/debt advice? A one-off fee that your firm charges for providing debt advice.
208A Do you charge a subscription fee for money/debt advice? A regular payment made to receive a money/debt advice product or service from your firm.
209A-W Total revenue of fees and commission per money/debt advice type for your firm (excluding activity of your appointed representatives, if you have any) Provide values in respect of fees or commission received.
210A-W Total revenue of fees and commission per money/debt advice type generated by appointed representatives of your firm Provide values in respect of fees or commission received.

Section 2.4
Debt adjusting and/or debt counselling – permissions

Tell us about your permissions. Certain questions will only apply if you have not undertaken or do not intend to undertake any relevant credit- related regulated activities.

Applicable to Firms providing Debt Advice / Debt Solutions

211A Total number of your firm’s customers (including new and existing) (excluding activity of your appointed representatives, if you have any) Include all individuals who approached your firm for money/debt advice and/or a debt solution. ‘Approach’ means engagement with a firm through any one or more of the following channels:
· webform;
· live/web chat;
· chatbot;
· email;
· online/digital advice tool;
· instant messaging (eg, WhatsApp);
· video conferencing or chat;
212A Total number of customers (including new and existing) generated by activity of your appointed representatives Include all individuals who approached your appointed representatives for money/debt advice and/or a debt solution. ‘Approach’ means engagement with a firm through any one or more of the following channels:
· webform;
· live/web chat;
· chatbot;
· email;
· online/digital advice tool;
· instant messaging (eg, WhatsApp);
· video conferencing or chat; · telephone;
· SMS;
· your own physical premises;
· individual’s home or dwelling; or
· other non-trade premises.
213A Total number of your firm’s customers (excluding activity of your appointed representatives, if you have any) who received money/debt advice and did not take up a debt solution When a debt solution (provided by your firm) was presented but the individual did not proceed with the arrangement, scheme or procedure. This should be a subset of the total number of customers.
214A Total number of your firm’s customers (generated by activity of your appointed representatives) who received money/debt advice and did not take up a debt solution When a debt solution (provided by your appointed representatives) was presented but the individual did not proceed with the arrangement, scheme or procedure. This should be a subset of the total number of customers.
215A Total number of your firm’s customers (excluding activity of your appointed representatives, if you have any) who received money/debt advice and took up a debt solution When a debt solution (provided by your firm) was presented and the individual proceeded with the arrangement, scheme or procedure. This should be a subset of the total number of customers.
216A Total number of your firm’s customers (generated by activity of your appointed representatives) who received money/debt advice and took up a debt solution When a debt solution (provided by your appointed representative) was presented and the individual proceeded with the arrangement, scheme or procedure. This should be a subset of the total number of customers.
217A Total number of your firm’s customers (excluding activity of your appointed representatives, if you have any) who received money/debt advice and were not offered a debt solution When, after engagement, no suitable debt solution was found or needed. This should be a subset of the total number of customers.
218A Total number of your firm’s customers (generated by activity of your appointed representatives)

who received money/debt advice and were not offered a debt solution

When, after engagement, no suitable debt solution was found or needed. This should be a subset of the total number of customers.
219A Total number of your firm’s customers (excluding activity of your appointed representatives, if you have any) who received money/debt advice and were referred to a debt solution that was offered by another firm This could be referrals within the same group or to an unrelated firm. This should be a subset of the total number of customers.
220A Total number of your firm’s customers (generated by activity of your appointed representatives) who received money/debt advice and were referred to a debt solution that was offered by another firm This could be referrals within the same group or to an unrelated firm. This should be a subset of the total number of customers.

Section 2.4.1
Debt solutions offered and administered by your firm

Applicable to Firms providing Debt Advice / Debt Solutions

221A What are the different types of debt solutions that your firm offers, in which the debt solution is administered by your firm? Select all that apply.
222A-M Total revenue for your firm (excluding activity of your appointed representatives, if you have any) of commission per debt solution Provide values in respect of commission received, in which the debt solution is administered by your firm. Include any revenue received via Fair Share.
223A-M Total up-front fees for your firm (excluding activity of your appointed representatives, if you have any) per debt solution Provide values in respect of fees that are received up front – i.e., received when the debt solution is entered into.
224A-M Total ongoing fees for your firm (excluding activity of your appointed representatives, if you have any) per debt solution Provide values in respect of ongoing fees received in the reporting period – e.g., a monthly fee received for a debt solution. Include all fees received in the reporting period, including those for debt solutions that have been entered into prior to said period.
225A-M Total number of debt solutions (excluding activity of your appointed representatives, if you have any) per solution type Provide values in respect of debt solutions that are administered by your firm.

Section 2.4.2
Debt solutions offered and administered by your firm via appointed representative

Applicable to Firms providing Debt Advice / Debt Solutions

226A-M Total revenue for your firm (generated by activity of your appointed representatives) of commission per debt solution Provide values in respect of commission received, in which the debt solution is administered by your appointed representatives. Include any revenue received via Fair Share.
227A-M Total up-front fees for your firm (generated by activity of your appointed representatives) per debt solution Provide values in respect of fees that are received up front – i.e., received when the debt solution is entered into.
228A-M Total ongoing fees for your firm (generated by activity of your appointed representatives) per debt solution Provide values in respect of ongoing fees received in the reporting period – e.g., a monthly fee received for a debt solution. Include all fees received in the reporting period, including those for debt solutions that have been entered into prior to said period.
229A-M Total number of debt solutions (generated by activity of your appointed representatives) per debt solution type Provide values in respect of debt solutions that are administered by your appointed representatives.

Section 2.4.3
Debt solutions offered by your firm but administered by another firm

Applicable to Firms providing Debt Advice / Debt Solutions

230A What are the different types of debt solutions that your firm offers, in which the debt solution is administered by another firm? Select all that apply.
231A-M Total revenue for your firm (excluding activity of your appointed representatives, if you have any) of fees or commission per debt solution Provide values in respect of fees or commission received, in which the debt solution is administered by another firm.
232A-M Total number of debt solutions (excluding activity of your appointed representatives, if you have any) per solution type Provide values in respect of debt solutions that are administered by another firm.

Section 2.4.4
Debt solutions offered by your firm but administered by another firm via appointed representative

Applicable to Firms providing Debt Advice / Debt Solutions

233A-M Total revenue (generated by activity of your appointed representatives) of fees or commission per debt solution Provide values in respect of fees or commission received, in which the debt solution is administered by another firm.
234A-M Total number of debt solutions (generated by activity of your appointed representatives) per solution type Provide values in respect of debt solutions that are administered by another firm.

Section 2.4.5
Debt management plans

Applicable to Firms providing Debt Advice / Debt Solutions

235A Total number of debt management plans (excluding plans entered into through activity of your firm’s appointed representatives, if you have any) broken within 6 months of being entered into A debt management plan is broken if 3 consecutive payments are missed, excluding partial payments.
236A Total number of debt management plans (excluding plans entered into through activity of your firm’s appointed representatives, if you have any) broken between 6 and 12 months of being entered into
237A Total number of debt management plans (excluding plans entered into through activity of your firm’s appointed representatives, if you have any) being administered at the end of the reporting period N/A

Section 2.4.6
Debt management plans via appointed representatives

Applicable to Firms providing Debt Advice / Debt Solutions

238A Total number of debt management plans (generated by activity of your appointed representatives) broken within 6 months of entering into a solution A debt management plan is broken if 3 consecutive payments are missed, excluding partial payments.
239A Total number of debt management plans (generated by activity of your appointed representatives) broken between 6 to 12 months after entering into a solution
240A Total number of debt management plans (generated by activity of your appointed representatives) being administered at the end of the reporting period N/A

Section 2.5
Debt adjusting and/or debt counselling – charity and not-for-profit-body

Applicable to Firms providing Debt Advice / Debt Solutions

241A Are you a charity or not-for-profit body? N/A

Section 2.6
Debt adjusting and/or debt counselling – funding source

Applicable to Firms providing Debt Advice / Debt Solutions

242A Where do you receive funding from? Select all that apply.
243A-W What is the amount of funding received per source? N/A

Section 2.7
Debt adjusting and/or debt counselling – network

Applicable to Firms providing Debt Advice / Debt Solutions

244A Are you part of a network? Select all that apply.

Section 2.8
Debt adjusting and/or debt counselling – engagement with individuals

Applicable to Firms providing Debt Advice / Debt Solutions

245A How do you engage with individuals? Select all that apply. This relates to engagement before, during or after providing either debt advice or a debt solution.

Section 2.8.1
Debt adjusting and/or debt counselling – contact centre

Applicable to Firms providing Debt Advice / Debt Solutions

246A Do you have a contact centre? Select one option only. A ‘contact centre’ is a dedicated team/operation for answering phone calls/queries for debt or money advice over the phone.
247A How many inbound calls are received? ‘Inbound’ means individual to firm.
248A How many inbound calls are dropped? ‘Dropped’ means that the individual left the call queue before their call could be answered.
249A How many inbound calls are answered? ‘Answered’ means that the call was taken by a member of staff.
250A What is the total wait time for inbound calls (seconds)? The ‘total wait time’ is the length of time that the individual waits to speak with a member of staff after that initial route. Set out the length of time in seconds by adding all of the wait times for all individuals.
251A What is the average call waiting time (seconds)? This is calculated by dividing the individual’s total wait time by the number of calls answered. Set out the length of time in seconds.

Section 2.8.2
Debt adjusting and/or debt counselling – web chat

Applicable to Firms providing Debt Advice / Debt Solutions

252A Number of web chat enquiries ‘Enquiries’ mean that a user started an initial interaction through the communication tool.
253A Number of web chat enquiries that have been resolved This relates to an interaction which the firm classed as resolved by the human agent.
254A Number of web chat enquiries that have been abandoned This relates to an interaction which was left unresolved, due to the disconnection of the chat.

Section 2.8.3
Debt adjusting and/or debt counselling – chatbot

Applicable to Firms providing Debt Advice / Debt Solutions

255A Number of chatbot enquiries that went on to involve a human agent This relates to an interaction which needed further assistance provided by a member of staff.
256A Number of chatbot enquiries that led to a resolution without speaking to a human agent This relates to an interaction which the firm deemed to be successfully resolved by the chatbot.
257A Number of chatbot enquiries that were abandoned This relates to an interaction which was left unresolved, due to the disconnection of the chat.

Section 2.9
Debt adjusting and/or debt counselling – referrals

Applicable to Firms providing Debt Advice / Debt Solutions

258A How are individuals referred to your firm Referred as introduced to your firm by another firm for the purpose of obtaining money/debt advice and/or debt solutions. Select all that apply.
259A-Z Total referrals per referral source type Enter total referral numbers for each source type.
260A How are individuals referred to appointed representatives of your firm? Referred as introduced to your firm by another firm for the purpose of obtaining money/debt advice and/or debt solutions. Select all that apply.
261A-Z Total referrals to appointed representatives per referral source type Enter total referral numbers for each source type.

Section 2.10
Debt adjusting and/or debt counselling – staff

Tell us about your staff. Certain questions will only apply if your staff earn a commission.

Applicable to all Credit Broking Firms

262A Do you have customer-facing advisors? Yes/No
263A What is the employment status of the customer-facing advisors in your firm? A – Full time employed
B – Part time employed
C – Volunteer
W – Other
264A How many full-time equivalent (FTE) customer-facing advisors do you employ? [Enter value]
265A How are your customer-facing advisors remunerated? A – Regular salary
B – Salary plus commission
C – Commission only
266A-B What is the average percentage split between your customer-facing advisors’ salaries and commission? Salary [%] Commission [%]
267A Do your customer-facing advisors earn commission when an individual enters a debt solution? Yes/No
268A How many customer-facing advisors volunteer with your firm? [Enter value]

Section 2.11
Debt adjusting and/or debt counselling – settlements

Tell us about your settlements.

Applicable to all Credit Broking Firms

269A Total number of settlements made by your firm
(excluding activity of your appointed representatives, if you have any) involving a part-exchange of a vehicle or goods on finance
[Enter value]
270A Total value of all settlements made by your firm (excluding activity of your appointed representatives, if you have any) involving a part-exchange of a vehicle or goods on finance [Enter value]

Section 2.13.1
Debt adjusting and/or debt counselling – settlements via appointed representatives

Applicable to firms with Appointed Representatives​

271A Total number of settlements made by appointed representatives of your firm involving a part-exchange of a vehicle or goods on finance [Enter value]
272A Total value of all settlements made by appointed representatives of your firm involving a part-exchange of a vehicle or goods on finance [Enter value]

Section 3
Reporting fields for a firm with permission to carry on the regulated activity of providing credit information services

Section 3.1
Providing credit information services – permissions

Applicable to firm providing Credit Information Services

301A Our systems show that you have permission for providing credit information services. Which of the following activities have you undertaken? See PERG 2.7.20KG for details of the activities that fall within providing credit information services. Select all that apply.
302A Why do you hold providing credit information services permission? Select 1 option only.
303A If you have selected ‘W – Other reason’, please specify why you have not used your permission N/A
304A In the past 12 months, where have you got credit information from? Select all that apply.

Section 3.2
Providing credit information services – fee model

Applicable to firm providing Credit Information Services

305A Do you charge a fee for getting credit information on behalf of an individual? A ‘standalone fee’ is a one-off fee. A ‘subscription fee’ is a regular payment made to receive a product or service. Select all that apply.

Section 3.2.1
Providing credit information services – standalone fees

Applicable to firm providing Credit Information Services

306A Fee charged per individual (excluding activity of your appointed representatives, if you have any) The standalone fee that is charged per individual for obtaining credit information on their behalf. Where the fee is not fixed, enter the average amount of all of the fees charged within the reporting period.
307A Total number of individuals charged a fee (excluding activity of your appointed representatives, if you have any) The total number of individuals charged a fee for obtaining credit information.
308A Total revenue from fees (excluding activity of your appointed representatives, if you have any) The total amount of income received for getting credit information on behalf of an individual.
309A Fee charged per individual (generated by activity of your appointed representatives) The standalone fee that is charged per individual for obtaining credit information on their behalf. Where the fee is not fixed, enter the average amount of all of the fees charged within the reporting period.
310A Total number of individuals charged a fee (generated by activity of your appointed representatives) The total number of individuals charged a fee for obtaining credit information.
311A Total revenue from fees (generated by activity of your appointed representatives) The total amount of income received for getting credit information on behalf of an individual.

Section 3.2.2
Providing credit information services – subscription fees

Applicable to firm providing Credit Information Services

312A What subscription terms do you (excluding activity of your appointed representatives, if you have any) offer? Select all that apply. A ‘subscription term’ is the inherent commitment length for subscriptions linked to the service you provide.
313A-W What are the subscription fees for each of the subscription terms (excluding activity of your appointed representatives, if you have any)? A ‘subscription fee’ is the fee that is charged per individual for obtaining credit information on their behalf. Where the fee is not fixed, enter the average amount of all of the fees charged within the reporting period.
314A What subscription terms do you (generated by activity of your appointed representatives) offer? Select all that apply. A ‘subscription term’ is the inherent commitment length for subscriptions linked to the service you provide.
315A-W What are the subscription fees for each of the subscription terms (generated by activity of your appointed representatives)? A ‘subscription fee’ is the fee that is charged per individual for obtaining credit information on their behalf. Where the fee is not fixed, enter the average amount of all of the fees charged within the reporting period.

Section 3.3
Providing credit information services – subscriptions

Applicable to firm providing Credit Information Services

316A How many individuals signed up to a subscription (excluding activity of your appointed representatives, if you have any)? N/A
317A How many individuals have cancelled a subscription? N/A
318A What is the total revenue made from subscriptions? The total amount of income received from individual subscriptions.
319A What is the average duration of a subscription before it is cancelled (excluding activity of your appointed representatives, if you have any)? The average length of time from when an individual signs up to the subscription service to when they cancel, in respect of agreements cancelled. Set out your response in days. Do not count those individuals that cancelled within a cooling-off period.
320A How many individuals signed up to a subscription (generated by activity of your appointed representatives)? N/A
321A How many individuals have cancelled a subscription (generated by activity of your appointed representatives)? N/A
322A What is the total revenue made from subscriptions (generated by activity of your appointed representatives)? The total amount of income received from individual subscriptions.
323A What is the average duration of a subscription before it is cancelled (generated by activity of your appointed representatives)? The average length of time from when an individual signs up to the subscription service to when they cancel, in respect of agreements cancelled. Set out your response in days. Do not count those individuals that cancelled within a cooling-off period.

Section 3.3.1
Providing credit information services – subscription cancellations

Applicable to firm providing Credit Information Services

324A Are individuals able to cancel their subscription term early? N/A
325A Do you charge a cancellation fee? N/A
326A How much is the cancellation fee? Where the fee is not fixed, enter the average amount of all of the fees charged within the reporting period.

Section 3.4
Providing credit information services – business model

Applicable to firm providing Credit Information Services

327A Do you collect the information in order to give wider financial advice (eg, as part of your role as a mortgage or financial adviser)? For the purposes of this data element, ‘advice’ is giving an opinion to the individual. It either explicitly or implicitly steers the individual to a particular course of action.
328A Do you collect the information in order to undertake regulated debt advice (eg, as part of offering debt counselling and/or debt adjusting services)? N/A

Section 3.5
Providing credit information services – credit score

Applicable to firm providing Credit Information Services

329A Do you collect the information to give general advice on how an individual should improve their credit score (eg, sign up to the electoral roll)? For the purposes of this data element, ‘advice’ is giving an opinion to the individual – in this case, general advice on how an individual should improve their credit score. It either explicitly or implicitly steers the individual to a particular course of action.
330A Do you collect the information to tailor the advice on how an individual should improve their credit score? For the purposes of this data element, ‘advice’ is giving an opinion to the individual – in this case, general advice on how an individual should improve their credit score. It either explicitly or implicitly steers the individual to a particular course of action.
331A In your marketing, do you advertise that you can improve an individual’s credit score? N/A
332A What is the total number of individuals you track credit scores for (excluding activity of your appointed representatives, if you have any)? ‘Tracking credit scores’ means monitoring an individual’s credit score to measure positive or negative change.
333A What is the total number of individuals you track credit scores for (generated by activity of your appointed representatives)?
334A Of the individuals you track credit scores for, how many have had an improved score after using your services (excluding activity of your appointed representatives, if you have any)? ‘Improvement’ means a positive change in an individual’s credit score.
335A Of the individuals you track credit scores for, how many have had an improved score after using your services (generated by activity of your appointed representatives)?
336A Do you tailor the advice per individual? For the purposes of this data element, ‘advice’ is giving an opinion as a guide to action to be taken, in this case tailored advice (as in advice that is unique to that specific individual) on how an individual should improve their credit score. It either explicitly or implicitly steers the individual to a particular course of action.
337A Do you tailor the advice based on an individual’s credit score? For the purposes of this data element, ‘advice’ is giving an opinion as a guide to action to be taken, in this case tailored advice (as in advice that is unique to that specific individual) on how an individual should improve their credit score. It either explicitly or implicitly steers the individual to a particular course of action.
338A Do you utilise the credit information to provide tailored introductions to lenders (eg, to offer price comparison services or other credit broking activities)? N/A
339A Do you tailor the list of lenders/credit brokers based on credit score? ‘Tailoring a list of lenders/credit brokers’ means presenting a set of lenders/credit brokers to individuals that are deemed to be appropriate to that individual based on their credit score.
340A Do you rank credit facilities in order of lenders that provide the highest value commissions? N/A
341A What is the total number of individuals who have gone on to take out credit based on a referral via your firm (excluding activity of your appointed representatives, if you have any)? N/A
342A What is the total number of individuals who have gone on to take out credit based on a referral via your firm (generated by activity of your appointed representatives)? N/A

Section 3.6
Providing credit information services – tailoring advice

Applicable to firm providing Credit Information Services

336A Do you tailor the advice per individual? Yes/No
337A Do you tailor the advice based on an individual’s credit score? Yes/No
338A Do you utilise the credit information to provide tailored introductions to lenders (e.g., to offer price comparison services or other credit broking activities)? Yes/No
339A Do you tailor the list of lenders/credit brokers based on credit score? Yes/No
340A Do you rank credit facilities in order of lenders that provide the highest value commissions? Yes/No
341A What is the total number of individuals who have gone on to take out credit based on a referral via your firm (excluding activity of your appointed representatives, if you have any)? [Enter value]
342A What is the total number of individuals who have gone on to take out credit based on a referral via your firm (generated by activity of your appointed representatives)? [Enter value]

Section 4
Reporting fields for a relevant ancillary credit firm

Section 4.1
Relevant ancillary credit firm – marketing

Tell us about your firm’s marketing.

Applicable to all Credit Broking Firms

401A Which of the following channels does your firm use for marketing? A – Online
B – Email
C – Telephone
D – Social media
E – Door-to-door
F – Traditional media (TV, radio, print)
G – Outdoor advertising
X – None of the above

Section 4.2
Relevant ancillary credit firm – revenues

Tell us about your firm’s revenues.

Applicable to all Credit Broking Firms

402A-C Total revenue from your firm’s credit-related regulated activities (excluding activity of your appointed representatives, if you have any) A – Credit broking
B – Debt adjusting and debt counselling
C – Providing credit information services
403A-C Total revenue from your firm’s credit-related regulated activities (generated by activity of your appointed representatives) A – Credit broking
B – Debt adjusting and debt counselling
C – Providing credit information services

Section 4.3
Relevant ancillary credit firm – miscellaneous

Tell us about the following.

Applicable to all Credit Broking Firms

404A Are you a member of a trade body or association that has a code of conduct that you are signed up to? Yes/No