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Really easy and quick application process

It's common for the Managing Director of a company to also be a full-time employee of that same company. When completing lending applications, my experience has been that it is preferable for the lender to know you are FTE, and that your job title is MD.

I would suspect the most important thing is establishing your income so that, as a responsible lender, an informed decision can be made. To facilitate this, one is typically given the option to specify various income sources.

Unfortunately, in choosing full-time employment, I was only asked for salary; no option was given for additional income sources before the application was processed.

When I contacted the online support to explain the situation, it was suggested that I had to contact the third party in order to rectify the situation.

I explained that I did not think it was appropriate for me to have to redo the entire application, and in particular for me to have to involve the third party, when neither of us were “at fault" so to speak. I took the time to suggest two possible ways in which the application process might be improved in order to mitigate this issue in future.

I also provided them with a full summary of my annual income detailing the sources of income along with a true and correct total income. I also provided a copy of my SA100 to evidence this. I asked if the application could be reviewed in light of them now having the necessary, accurate information.

This was refused and the original advice reiterated. In the absence of any explanation as to why a review of the existing application could not be undertaken, I was left with the impression that this company did not particularly care about the issue. Nor did they respect the fact that this would now place an additional burden on me, the consumer, as well as their client for whom they are acting as an intermediary for as a finance broker.

This is disappointing, because I suspect many people will rely on such a facility in order to be able to manage the costs of healthcare. As such, I think it is important that a company acting as gatekeeper to people’s health and wellbeing recognises the need to be sensitive, due to the potential impact of creating additional friction in the process of people trying to balance their health with any financial concerns they might have.

For my part, I am in the fortunate position that I have the choice to refuse to use this service now, and pay the clinician directly. I will also explain to the clinician exactly why I am doing this, as they might otherwise be unaware of how their patients are being treated.

I acknowledge this is a small inconvenience. It is not the inconvenience itself that is the issue. It is the failure to share ownership of the issue, and the potential for that to cause second-order issues, particularly if people are in vulnerable situations.

I accept my failure to select the correct option. I understand that it was because of this I was then unable to provide the information that I needed to. On realising my error, I made the effort to correct my mistake by taking the time to find the correct information, collate this into a useful format, and provide it to the lender so that they might be able to re-process with a minimum of hassle.

I think that this organisation has an opportunity now to reflect on what (if any) mistakes they might have made and how they might have handled the situation better.

Eugenia provided a Excellent service. With Great communication and was very quick and informative regarding everything

It was easy to set up and follow the instructions.

clunky website

tedious log in, but good communication thereafter

Henry was efficient and friendly when reviewing my details.

great customer service, super helpful and efficient

I couldn’t be more happier with my experience and how fast I was accepted for the finance.

Super quick service! Thanks Dominique

I was pleasantly surprised by the ease and speed of the application process. My loan was approved within minutes! I definitely recommend this provider.

Very speedy service & very polite communication

Quick reply and process

I always found them very helpful and very easy to deal with. Quick to respond to any queries you have.

Good service and very quick

Helpful very nice conversation

Quick response to my query and sorted the problem out

Dominique was a great help and aided me to resolve any issues i had. Thank you!

Megan was very efficient with providing me updates about my loan application. Appreciate it!