Vulnerability Notice

enforcement stage and you fall into a vulnerable category (such as serious illness, disability, mental health issues, single parenthood, pregnancy, unemployment, or other protected circumstances under the Ministry of Justice’s National Standards), enforcement companies are bound by strict guidelines in how they handle you. In fact, they should refer your case back to the original creditor — yet too often, they push back unlawfully. I currently have multiple cases with the Enforcement Conduct Board because of this unacceptable behaviour. For £25, The Invisible Advocate will draft a formal Vulnerability Notice for you, placing it on file with both the enforcement company and the original creditor to ensure your rights are protected and your case is handled lawfully.

Who is Considered Vulnerable?

• The elderly
• People with a disability (including physical and mental health conditions)
• The seriously ill
• The recently bereaved
• Single parent families
• Pregnant women
• Unemployed people
• Those with obvious difficulty in understanding, speaking, or reading English
• People with learning difficulties
• People suffering from long-term sickness
• People with mental health problems
• Care leavers
• Young people aged 18–24
• Victims of domestic violence
• Those in temporary accommodation or homeless
• People with severe financial difficulties (e.g. recent bankruptcy or insolvency)