Responsible Lending Policy

The things we do to ensure we always lend fairly and transparently

Responsible Lending

The things we do to ensure we always lend fairly and transparently

At Bumper we believe in being totally clear in everything we do. In this responsible lending policy, we outline the things we do to ensure we always lend in a transparent and fair fashion.

Bumper will always:

  • Act fairly, reasonably and responsibly in all our dealings with you.
  • Not pressurise you to enter into a Paylater plan with us.
  • Tell you the total amount that you will need to pay and explain how your repayments work before you apply.
  • Check that you understand that we will pay your bill direct to your chosen service provider rather than paying you.
  • Make sure that our service is suitable for you and your circumstances.
  • Carry out a credit and affordability check with a credit reference agency.
  • Explain clearly what types of information we will consider when making our decision about your Paylater plan.
  • Let you know how we’ll communicate with you about your payments, how they’ll be collected and the ways you can contact us.
  • Email you a reminder at least 3 days before each payment. These emails will include details of how you can speak to us if you are struggling with your payments.
  • Keep track of your payments so that if you need to talk to us about any financial difficulties, we will have the information needed to support you.

Having trouble with your payments? Please don’t worry, we will:

  • Deal with your case individually and do everything we can to make your payments affordable.
  • Suggest free and independent debt-counselling organisations, and provide details of how you can contact them if required.

Want to make a complaint?

We are always looking to improve and welcome feedback. We are happy to tell you about our complaints-handling process whenever you ask us. You can also find details of our complaints procedure on our website www.bumper.co/complaints.

If you want to, you can make your complaint to Citizens Advice. Their contact details are as follows:

Website: https://www.citizensadvice.org.uk

Telephone: 03444 111 444

You can chat with them online here:

https://www.citizensadvice.org.uk/about-us/contact-us/contact-us/chat-service-money-and-debt

You can search for your local branch here:

https://www.citizensadvice.org.uk/about-us/contact-us/contact-us/search-for-your-local-citizens-advice

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data protection number
ZA04444

bumper international limited TOG 1, lyric square London, w6 0NB registered number 0857671

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