## About the service

**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. [Full list of sources included in this service](./92-financial-vulnerability-uk-005.html#categories-and-sources)

**Product Code:** FINANCIAL\_VULNERABILITY\_UK\_005

**Does this service leave a credit search Footprint?** Yes

## Request

### Query Data

The following QueryData properties pertain to this service. 

| **Property Name** | **Type** | **Length** | **Optional/Mandatory** | **Notes**                                                                                                         |
| ----------------- | -------- | ---------- | ---------------------- | ----------------------------------------------------------------------------------------------------------------- |
| **Forename**      | String   | 15         | Mandatory              |                                                                                                                   |
| **MiddleNames**   | String   | 15         | Optional               | The contents of this field will be converted into initials, therefore the character limit can usually be ignored. |
| **Surname**       | String   | 30         | Mandatory              |                                                                                                                   |
| **DayOfBirth**    | Integer  | 2          | Mandatory              |                                                                                                                   |
| **MonthOfBirth**  | Integer  | 2          | Mandatory              |                                                                                                                   |
| **YearOfBirth**   | Integer  | 4          | Mandatory              |                                                                                                                   |
| **HouseName**     | String   | 26         | Optional               | Either house name or house number must be supplied                                                                |
| **HouseNumber**   | String   | 10         | Optional               |  Either house name or house number must be supplied                                                               |
| **Flat**          | String   | 16         | Optional               |                                                                                                                   |
| **Street**        | String   | 40         | Optional               |                                                                                                                   |
| **County**        | String   | 20         | Optional               |                                                                                                                   |
| **City**          | String   | 20         | Optional               |                                                                                                                   |
| **Postcode**      | String   | 8          | Mandatory              |                                                                                                                   |
| **PhoneNumber**   | String   | 16         | Optional               | Please provide the phone number as one contiguous set of numbers with no other characters or spaces.              |

### Example Request

```json
"Data": {
	"Forename": "Brandon",
	"Surname": "Marsh",
	"DayOfBirth": 30,
	"MonthOfBirth": 6,
	"YearOfBirth": 1942,
	"HouseNumber": "74",
	"Street": "Guildford Rd",
	"Postcode": "RH19 6EG"
}

Response

The following shows the basic schema for the financialVulnerabilityUK005Result result.

Example Response

"financialVulnerabilityUK005Result": {
	"foundData": [
		{
			"name": "V_PI_Insolvency",
			"description": "One or more insolvency records (active or satisfied) found",
			"result": "0"
		},
		{
			"name": "V_PI_Insolvency_Active",
			"description": "One or more active Insolvency records found",
			"result": "0"
		},
		{
			"name": "V_PI_CCJ_1K_6M",
			"description": "One or more active CCJs with a total value over £1000, and one or more CCJs within the last 6 months, found",
			"result": "0"
		}
	],
	"interpretationProfile": {
		"name": "Interpretation profile #1",
		"groups": [
			{
				"name": "Fail check",
				"order": 0,
				"result": "Fail",
				"condition": "Any",
				"rules": [
					{
						"key": "V_PI_Insolvency",
						"value": "0",
						"condition": "GreaterThan"
					}
				]
			},
			{
				"name": "Pass check",
				"order": 1,
				"result": "Pass",
				"condition": "Any",
				"rules": [
					{
						"key": "V_PI_Insolvency",
						"value": "0",
						"condition": "Equal"
					},
					{
						"key": "V_PI_Insolvency_Active",
						"value": "0",
						"condition": "Equal"
					}
				]
			}
		]
	}
}

The summarized results section is explained here: Service transaction information

Below is some information about service specific outputs.

Found data

Found data shows the rules which have been triggered according to what information has been relating to the individual.

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

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. You get to decide what a Pass or Fail looks like.

Sandbox

Sandbox mode can be used to test the service. By setting the following query option and sending some the below query data we will return a pre-configured response without actually calling our suppliers.

Query options for Sandbox

"options": {
	"sandbox": "true"
}

Categories and sources

These are the categories and sources included in this service.

Categories

Bankruptcy
Child Maintenance
Debt Arrangements
Judgments
Miscellaneous

Sources

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