Total Home Loans Direct Limited, trading as THL Direct, provides high cost short-term credit to customers who may wish to borrow between £150 and £200. All loans will be set up for a maximum of 3 months.
We understand that, as a company providing this type of service, we have specific obligations towards our customers. This includes treating our customers fairly, providing them with adequate information and to provide a safe and secure online environment for application processing.
We make it clear to customers that this type of loan should be used for short-term financial needs and is not appropriate for long-term borrowing or if the customer is in financial difficulties. Careful checks will be conducted to find out whether the loan is suitable for the customer, taking account of their circumstances.
All loan applications will be checked thoroughly and go through a sound, proper and appropriate affordability assessment. We utilise credit vetting which includes the customer’s ability to repay the loan in sustainable manner. This includes using information supplied by the customer on the application form.
We will explain to our customers in general terms what types of information are considered in making a decision, if the customer asks for this.
We will not provide a short-term loan if the customer has told us they are in financial difficulties or the credit assessment indicates that the loan would not be repaid in suitable manner.
We will provide our customers with the following information and will carry out the checks listed below. This is by no means exhaustive checklist of information.
Authorised and regulated by the Financial Conduct Authority
Financial Conduct Authority authorisation number: 673015
THL Direct is a trading style of Total Home Loans Direct Ltd Registered in England: 6752234
Data Protection registration number: Z1607716
Contact number: 0330 223 0177
Contact number: 03302230177
Contact email: firstname.lastname@example.org
Registered address: 55 Cobham Road, Ferndown Industrial Estate, Wimborne, BH21 7RB.
Copyright © 2009-2017 Total Home Loans Direct Ltd. All rights Reserved