contact@detachgroup.com
01634 202097

Responsible Lending Policy

Our Commitment

Detach Lending is a responsible provider of divorce litigation finance in the UK.

We are authorised and regulated by the FCA under the Consumer Credit Act 1974 and all relevant and applicable consumer credit legislation and regulations.

  • As a responsible lender, our working procedures comply with the FCA guidelines. We are committed to providing a good service to consumers and treating them fairly.
  • We are here to provide divorce litigation loans to help our customers access legal advice in through the divorce process. Our loan process is straightforward, clear and transparent, and we will be available to answers any queries you may have.
  • We are here to provide divorce litigation loans to help our customers access legal advice in through the divorce process. Our loan process is straightforward, clear and transparent, and we will be available to answers any queries you may have.
  • We will provide you with information about our services and how they work in a clear and understandable way, so that you can decide what’s best for you. We have prepared a detailed guide to our divorce litigation loans (Download Client PDF) and we request that you read this document before completing our application form. A copy of the FAQ document will be provided with any loan application form request.
  • If you tell us about inaccuracies, for example around the personal information we hold about you, we will act quickly to put it right.
  • We will help you obtain independent free debt advice, if you wish

What we ask from you

  • We believe that financial responsibility is a two-way process as such we require you to be open and honest with us.
  • Carefully check your account statements to make sure they are accurate. If anything isn’t right, please get in touch with us.
  • Please let us know if your circumstances change or there are material changes in your case.
  • We ask you to think carefully about entering into a divorce litigation loan agreement and insist that you seek independent legal advice in relation to the agreements to ensure that you have fully understood the agreements and obligations contained within.
  • If we believe that a divorce litigation loan will worsen your financial situation rather than help, the application will be declined, in line with the FCA’s regulations.

Pre-contract Information

  • We provide you with pre-contact information which will clearly show the information relating to the loan, so that you can make an informed decision prior to entering into the agreement with us. Our charges, fees and interest rates are displayed on these documents.
  • You will always be encouraged to repay your loan as soon as you can, to avoid accumulating additional interest.

Always keep in mind

Our responsible divorce litigation loans are designed to assist you in accessing legal advice through the divorce process and not as long-term borrowing solution. We always encourage our clients to compare our costs with alternative options available to them.

Complaints

We will discuss any complaints you may raise with us regarding our service and seek to resolve any complaints or concerns you may have as per our complaints policy notice (insert link to website). If we cannot resolve them, we will advise you on how to take your concerns further should you remain dissatisfied.