Vulnerability UK 045

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*
Email	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
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