Cost of living consumer credit data collection

You can partially complete the request and your answers will be saved. You can return to the request later using your unique link. Once the 'Submit' button has been selected, the information will be locked. If you need to make any further changes after submission, please contact us.

Yes, if you want someone else at your firm to answer the request, or a third party (such as a consultant) who works on your behalf, then you can forward the email/link to them. Otherwise, you should keep the link secure as it is specific to your firm. You should only have one user open the unique link at one time, as the system will only save changes from one user at any time.

Yes, firms will be asked for information on existing customers (sometimes referred to as backbooks) as well as any new lending activities. If the firm is no longer lending to new customers, firms can input ‘zero’ or ‘null’ values as appropriate to any questions relating to new lending activities and the request will move onto information around existing customers.

If your firm has outsourced the management of your firm’s existing customers or backbook, you will still be required to answer the request. If you want a third party to answer information on your behalf, then you can forward the email/link to them to complete the relevant sections.

On submission, a summary of your responses will be provided for your records, please click 'download PDF' to download a copy of your response. You will not be able to return after submission. Due to additional validations in place, the PDF is showing some entries as blank and we are working with the provider to identify a resolution. We would recommend firms take a screenshot or keep a separate copy of the entries in the meantime.

We are interested in your firm’s regulated activities. All questions will relate to these unless explicitly stated otherwise e.g. in relation to your firm’s financials, or limited information in relation to certain types of exempt agreements.  

If possible, firms should not include information relating to regulated consumer credit agreements or regulated consumer hire agreements which are entered into by the borrower or hirer wholly or predominantly for the purposes of a business carried on, or intended to be carried on, by the borrower or hirer.

Additional work should not be carried out by your firm to identify these agreements. If particular brands or products offered by your firm include agreements used by borrowers and hirers for both personal and business use, and these cannot be easily disaggregated, your firm should make a judgment on whether to include or exclude these brands or products.

Please give answers specific to your firm only, not any group firms. If there is more than one regulated entity within the group they may also separately receive the request for completion. If some questions relate to items only recorded at group level then please contact us in the first instance. This applies to all questions in this request.

Please answer the information request based on your firm’s internal reporting dates, we do not expect firms to spend time calibrating to specific dates. For example, when it refers to a period then please use data reported at the end of the period recorded by the firm (so if this is the 28th of the month or the last calendar day of the month, either is acceptable).

You should attempt to complete all parts of the request. If you are unable to answer any question, or part of a question, these should be left blank. A value of zero should only be entered if this accurately reflects your firm's answer to a question.

In most tables there is an option which can be used to record values which could not be categorised as requested in the question.

When you are keying number values please complete in full. They should not be truncated to indicate thousands, or millions.

Do not add in a comma or currency symbol. For example, one thousand pounds should be keyed as 1000 (not £1,000 or 1k). Adding in non-numerical data may result in error messages.

All numbers should be positive. The only exception to this is for any question which requests a non-zero value to be reported as a negative. In those cases, please use the negative (-) symbol when keying the amount. For example, where we ask for a repayment value, we may ask this to be reported as a negative value.

If your firm is expecting repayments of one thousand pounds, this should be keyed as -1000. Where this is required, the question will specifically request it.

Any error message will appear in red above the question it relates to. In the first instance, check all the numerical fields completed in the question below the error message to ensure there are no invalid numbers as shown in ‘keying number values’ section.

The error message will only disappear once you click on the forward arrow key at the bottom of the page.

All currency values should be reported in British pound sterling.