Keep the roles distinct
The debt counsellor supports the client. Record the actual credit provider and do not mark the counselling practice as lender or premium payer unless that separate arrangement is verified.
A clear record for each client
Submit information with recorded consent, respond to requests for missing details and track broker progress. Each credit agreement is assessed on its own terms.
Review existing cover carefully
Help clients gather current policy and credit details. Confirm replacement arrangements before changing existing cover. No savings, acceptance or claim outcome is guaranteed.