Supporting vulnerable customers | Dot Dot Loans

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. Dot Dot Loans is a credit broker, not a lender.

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Supporting vulnerable customers

We know anyone can find themselves in a vulnerable situation. This page explains how we try to treat customers fairly and where to find extra support.

Last updated 3 July 2026 PJG Financial Limited, FRN 919697
The key facts
We are a credit broker, not a lender
Loans from £100 to £5,000 over 3 to 36 months
Free to use, with a soft search first
Representative Example: £1,000 borrowed for 18 months. 17 monthly repayments at £87.22, final repayment of £87.70. Total amount repayable £1,570.44. Interest total £570.44. Annual interest rate 59.97% (fixed). Rates from 12.9% APR to 1721% APR. Minimum Term 3 months. Maximum Term 36 months. Representative APR 79.5% (Variable)

1. Our approach

We follow the Financial Conduct Authority’s guidance on the fair treatment of vulnerable customers. We aim to recognise when someone may need more support and to respond with care.

2. What vulnerability can mean

Anyone can become vulnerable, sometimes suddenly. It can include:

  • A health condition or disability.
  • A major life event, such as bereavement or job loss.
  • Low financial resilience or money worries.
  • Difficulty understanding or acting on information.

3. How we can help

We can take more time, explain things more clearly, and point you to free specialist support. Please only borrow if you are confident the repayments are affordable.

4. Free specialist support

If you are struggling, free and confidential help is available from MoneyHelper, StepChange and National Debtline. If you need to talk to someone, the Samaritans are there day and night.

5. Telling us you need support

You can let us know you need extra support using the details on our Contact page, and we will handle it sensitively.

6. Contact us

For anything at all, contact us using the details on our Contact page or write to PJG Financial Limited.

Dot Dot Loans is a trading name of PJG Financial Limited, authorised and regulated by the Financial Conduct Authority for credit broking. FCA reference number 919697. ICO registration ZB537016. Representative APR 79.5% (Variable).