post https://api.w2globaldata.com/kyc-check
Check's if an individual has self-declared vulnerability
Compatible Cases
About the service
This is a service which facilitates checks on whether a customer has a self-declared vulnerability.
Product Code: W2-DATA-VULNERABILITY-UK-045
Does this service leave a credit search Footprint? No
Request
Example request with all fields
{
"Bundle": "Your bundle",
"Data": {
"City": "Kings Landing",
"County": "Blaenau Gwent",
"DayOfBirth": 1,
"Email": "[email protected]",
"Forename": "John",
"HouseName": "Rose Cottage",
"HouseNumber": "14",
"MobileNumber": "07539587538",
"MonthOfBirth": 1,
"Postcode": "SW1A 1AA",
"Street": "Abbey Road",
"Surname": "Gurung",
"YearOfBirth": 1985
},
"Options": {
"Sandbox": "true"
},
"ClientReference": "your-client-reference"
}
Request Breakdown
Property | Type | Length | Optional/Mandatory | Notes |
---|---|---|---|---|
Forename | String | 30 | Mandatory | |
Surname | String | 30 | Mandatory | |
DayOfBirth | Integer | 2 | Optional* | |
MonthOfBirth | Integer | 2 | Optional* | |
YearOfBirth | Integer | 4 | Optional* | "yyyy" |
HouseName | String | 26 | Optional* | |
HouseNumber | String | 26 | Optional* | |
Postcode | String | 8 | Optional* | |
Street | String | 40 | Optional* | |
County | String | 20 | Optional* | |
City | String | 20 | Optional* | |
String | 30 | Optional* | ||
MobileNumber | String | 12 | Optional* |
(*) Requirements
This service requires at least one of DOB, Email, Mobile number or Address to be provided with Forename + Surname.
A valid Address must contain at least a House Name/House Number, Street and Postcode.
Response
Example response
{
"w2dataVulnerabilityuk045Result": [
{
"record": {
"vrS_First_Registered": "2021-08-25T00:00:00",
"vrS_Flag_Updated": "2021-08-25T00:00:00",
"vrS_Sub_Flags": "iva",
"vrS_Sub_Flags_Description": "Individual Voluntary Agreement",
"vrS_VC_Flag": "FPr",
"vrS_VC_Flag_Description": "First Party - Refer"
"personId": 1767306
},
"client_ref": "testing",
"dod_reference": "testing",
"match_analysis": {
"ad1_match_percent": 0,
"ad2_match_percent": 0,
"ad3_match_percent": 0,
"ad4_match_percent": 0,
"county_match_percent": 0,
"dob_match_percent": 0,
"email_match_percent": 0,
"firstname_match_percent": 0,
"gender_match_percent": 0,
"landline_match_percent": 0,
"lastname_match_percent": 0,
"mobile_match_percent": 0,
"postcode_match_percent": 0,
"town_match_percent": 0
},
"match_percent": 100,
"response_status": {
"status_code": "200",
"status_message": "Match complete"
}
}
]
}
VC Flags
The date the individual was first registered with the VRS
VC Flag | Description | Further Explanation | Examples |
---|---|---|---|
FPd | First Party - Decline | Organisation submitted on behalf of consumer - DECLINE - deny any application | The individual has given consent to their bank to share information with the VRS and has requested that applications are declined. |
FPnar | First Party - No Consumer Authorisation - Refer | Organisation submitted on behalf of consumer - REFER - treat any application with vulnerabilty in mind | There is a legitimate reason for the individual's bank to share information with the VRS, such as the individual has been the victim of a loan shark or fraud. |
FPr | First Party - Refer | Organisation submitted on behalf of consumer- REFER - treat any application with vulnerabilty in mind | The individual has given consent to their bank to share information with the VRS and has requested for their vulnerable status to be considered when making applications. |
SEd | Self Registered - Decline | Self-declared/registered by the indivdiual consumer - DECLINE - deny any application | The individual has registered with the VRS and declared that they are vulnerable, requesting that all applications are declined. |
SEr | Self Registered - Review | Self-declared/registered by the indivdiual consumer - REVIEW - treat any application with vulnerabilty in mind | The individual has registered with the VRS and declared that they are vulnerable, requesting that their vulnerable status is considered when making applications. |
TPd | Third Party - Decline | Third party (typically POA Power of Attorney) submitted on behalf of consumer - DECLINE - deny any application | A third party has the authority to act on behalf of the individual and they have registered the individual with the VRS and requested that all applications are declined. An example of this would be a relative with Power of Attorney. |
TPnar | Third Party - No Consumer Authorisation - Refer | Third party (typically POA Power of Attorney) submitted - REFER - treat any application with vulnerabilty in mind | Ths data has been shared with the VRS where there is a legitimate or legal reason for a third party to register the individual, such as a Court of Protection Order, for example. |
TPr | Third Party - Review | Third party (typically POA Power of Attorney) submitted - REVIEW - treat any application with vulnerabilty in mind | A third party has the authority to act on behalf of the individual and they have registered the individual with the VRS and requested the individual's vulnerable status is considered when making applications. An example of this would be a relative with Power of Attorney. |
Sub Flags
The Sub Flag which describes the vulnerability
Sub Flags | Description | Vulnerable Sub Flag Detail | Vulnerable Sub Flag Example |
---|---|---|---|
Accessibility | Someone who has difficulty accessing goods and services or communicating with suppliers. | Limited access to internet / digital services, Reliance upon on-line shopping, Difficulty physically visiting branches, Reliance on carers / third parties | |
Bankruptcy | Bankruptcy is a legal status that usually lasts for a year and can be a way to clear debts you can't pay. When you're bankrupt, your non-essential assets (property and what you own) and excess income are used to pay off your creditors (people you owe money to). At the end of the bankruptcy, most debts are cancelled. | Bankruptcy is a legal status that usually lasts for a year and can be a way to clear debts you can't pay. When you're bankrupt, your non-essential assets (property and what you own) and excess income are used to pay off your creditors (people you owe money to). At the end of the bankruptcy, most debts are cancelled. | |
Coercion | Coercion is compelling someone to act in an involuntary manner by use of intimidation,threats, including force. It involves a set of various types of forceful actions that violate the free will of an individual to induce a desired response | Forcing someone to borrow money in their name with the threat of violence, humiliation, intimidation, or even sexual assault. | |
Cognitive disorder | Someone who suffers from disorders that affect cognitive abilities, including learning, memory, perception and problem solving | Down Syndrome, Huntington disease, Mild cognitive impairment, Progressive supranuclear palsy, Dementia, Parkinson's disease | |
Coronavirus | Someone who has suffered directly as a result of the coronavirus pandemic. | Job loss, Reduced pay, Payment holidays, Furlough, Self-isolation/quarantine | |
Deceased | A third party can notify when an individual is deceased | A death certificate is required to load this flag | |
Debt Management Plan | Debt management is |