Last Reviewed January 10, 2026
T Dot UK Limited is committed to conducting responsible and ethical broking activities as a credit broker in the United Kingdom. This Responsible Broking Policy outlines the principles and practices that guide our interactions with customers, lenders, and other stakeholders to ensure fair and transparent credit broking.
T Dot UK Limited acknowledges and complies with all relevant laws and regulations governing credit broking in the UK, including but not limited to the Financial Conduct Authority (FCA) regulations and the Consumer Credit Act.
a. Transparent Information: T Dot UK Limited is committed to providing clear and transparent information to customers regarding the brokerage service that is provided and all relevant warnings will be displayed prominently through-out the process.
b. Suitability Assessment: Before assisting in locating financial assistance for the customer, T Dot UK Limited will gather the customers information in order for the lender to conduct a thorough assessment of the customer's financial situation to ensure that the recommended credit product is suitable for their needs and financial circumstances.
c. Responsible Lending: T Dot UK Limited will work with lenders who share our commitment to responsible lending practices and ensure that credit products are provided in a manner that is affordable and sustainable for the customer. Customer Communication
a. Clear and Honest Communication: All communications with customers will be clear, honest, and not misleading. T Dot UK Limited will provide information in a way that is easily understandable by the target audience.
b. Accessibility: T Dot UK Limited will make information about its services, including terms and conditions, easily accessible to customers through various channels, such as the company website or customer support.
a. Customer Data Handling: T Dot UK Limited will handle customer data in accordance with relevant data protection laws, ensuring the security and confidentiality of personal information.
b. Consent: T Dot UK Limited will obtain explicit consent from customers before processing their personal data for credit broking purposes.
T Dot UK Limited will provide training to employees involved in credit broking activities to ensure they understand and adhere to the principles outlined in this Responsible Broking Policy.
T Dot UK Limited is committed to addressing customer complaints promptly and fairly. The company will have a transparent and accessible process for handling complaints and will escalate issues to the Financial Ombudsman Service if necessary.
T Dot UK Limited will regularly review and update this Responsible Broking Policy to ensure it remains effective and compliant with changes in laws, regulations, and industry best practices.
By adopting this Responsible Broking Policy, T Dot UK Limited aims to contribute to a fair and transparent credit broking industry, fostering trust and positive relationships with customers and lenders
T Dot UK Limited does not engage in collection practices. Your lender will contact you by e-mail, telephone, or regular post to describe and arrange your payment schedule. Please contact your lender to discuss their collection process, as lender collection policies vary.
If you feel you will be unable to make a timely loan repayment, please contact your lender directly. The lender might be able to extend or renew your loan in accordance with the original loan terms. Late payment terms and options vary by lender. Please note that late payments might cause you to incur additional fees or interest, and might also have a negative impact on your credit rating.
If you are unable to make your payments on time, your lender may begin the collection process in accordance with the loan terms. Often, your lender will contact you to arrange for an alternative repayment schedule, which may result in additi0onal fees or interest. Lenders may additionally initiate legal proceedings to effectuate repayment. Consider contacting your lender before you miss a payment to learn more about this collection policy and discuss your repayment options.
If you wish to renew, or roll over an existing loan, please contact your lender directly before your payment is due. Although some lenders may offer you a loan renewal on the same terms as your original loan, each lenders renewal policy is different, and renewals might incur additional fees or interest. Under certain circumstances, renewal may be automatic. Please weigh the decision to renew an existing loan heavily, and consider consulting with independent financial counsel before renewing your loan.
Disclaimer: The proceeding is general advice only, and is not intended to address your specific financial situation. Please consider retaining independent financial counsel to discuss your individual needs.
Rates from 48.1% APR to 1721% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Repayment of £89.22. The total amount repayable is £1605.96. Interest amounts to £570.44, an annual interest rate of 59.97% (fixed) Representative APR: 79.5% (variable)
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Representative Example: £1,000 borrowed for 18 months. Repayment of £89.22. The total amount repayable is £1605.96
Interest amounts to £570.44, an annual interest rate of 59.97% (fixed) Representative APR: 79.5% (variable)
