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1. • Guarantor

     • Acting as a guarantor, you “guarantee” someone else’s loan or mortgage by promising to repay the debt if they can’t afford to.
     www.experian.co.uk/consumer/guides/being-a-guarantor.html

     Being a Guarantor | Who Can Be One & What It Means | Experian

2. People also ask

   What is a vouch & how does it work?

   • A vouch is one of the types of evidence you can collect. When you need to prove and verify someone’s identity, you must get evidence about the ‘claimed identity’ (who the person says they are). A ‘vouch’ is one of the types of evidence you can collect. A person vouches for someone else by declaring they know them as the claimed identity.

   How to accept a vouch as evidence of someone’s identity

   www.gov.uk/government/publications/how-to-accept-a-vouch-as-evidence-of-someones-identity

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   When do you need a vouch?

   • When you need to prove and verify someone’s identity, you must get evidence about them. A vouch is one of the types of evidence you can collect. When you need to prove and verify someone’s identity, you must get evidence about the ‘claimed identity’ (who the person says they are). A ‘vouch’ is one of the types of evidence you can collect.

   How to accept a vouch as evidence of someone’s identity

   www.gov.uk/government/publications/how-to-accept-a-vouch-as-evidence-of-someones-identity

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   Can a vouch be used as evidence?

   • You can combine a vouch with other evidence to get a higher level of confidence in someone’s identity. A vouch can also be used as proof that the claimed identity has existed over time. You can accept a vouch that’s done using one or more of these methods: Example Someone is opening a bank account, and they ask their employer to vouch for them.

   How to accept a vouch as evidence of someone’s identity

   www.gov.uk/government/publications/how-to-accept-a-vouch-as-evidence-of-someones-identity/how-to-accept-a-vouch-as-evidence-of-someones-identity

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   Can You Trust a vouch?

   • You must check the identity of the person who’s doing the vouch before you accept their vouch. You can trust a vouch more if you have greater confidence in the identity of the person who’s vouching, but you might not always need a high level of confidence. You must not accept a vouch from anyone who:

   How to accept a vouch as evidence of someone’s identity

   www.gov.uk/government/publications/how-to-accept-a-vouch-as-evidence-of-someones-identity/how-to-accept-a-vouch-as-evidence-of-someones-identity

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   Can you accept a vouch from someone in a position of authority?

   • You can still accept a vouch from someone in a position of authority if their relationship with the claimed identity is not professional. Example A solicitor can vouch for the identity of their neighbour. The solicitor knows this person is who they say they are because they’ve lived next door to them over a period of a few years.

   How to accept a vouch as evidence of someone’s identity

   www.gov.uk/government/publications/how-to-accept-a-vouch-as-evidence-of-someones-identity/how-to-accept-a-vouch-as-evidence-of-someones-identity

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   Can I use a vouch to check my identity?

   • You can use a vouch to check the claimed identity has existed over time. This is known as an ‘activity history’ check. It means you’re less likely to give access to a ‘synthetic’ (made up) identity. You cannot use a vouch to do all parts of the identity checking process. You must separately check the identity:

   How to accept a vouch as evidence of someone’s identity

   www.gov.uk/government/publications/how-to-accept-a-vouch-as-evidence-of-someones-identity/how-to-accept-a-vouch-as-evidence-of-someones-identity

   See all results for this question

3. www.gov.uk › government › publicationsHow to accept a vouch as evidence of someone’s identity

   www.gov.uk › government › publications

   • Cached

   Oct 22, 2020 · Guidance. How to accept a vouch as evidence of someone’s identity. Published 22 October 2020. When you need to prove and verify someone’s identity, you must get evidence about the ‘claimed...

4. www.gov.uk › government › publicationsHow to accept a vouch as evidence of someone’s identity

   www.gov.uk › government › publications

   • Cached

   Oct 22, 2020 · A person vouches for someone else by declaring they know them as the claimed identity. This guidance explains how you can accept a vouch as evidence of someone’s identity. By following it,...

5. www.gov.uk › who-can-vouch-for-someones-identityWho can vouch for someone’s identity - GOV.UK

   www.gov.uk › who-can-vouch-for-someones-identity

   • Cached

   Oct 22, 2020 · Guidance. Who can vouch for someone’s identity. Published 22 October 2020. You can accept vouches from anyone who’s in a ‘position of authority’ in their community or has retired from one. The...

6. dictionary.cambridge.org › english › vouch-forVOUCH FOR SOMETHING/SOMEONE - Cambridge English Dictionary

   dictionary.cambridge.org › english › vouch-for

   • Cached

   us / ˈvɑʊtʃ fər, fɔr /. Add to word list. to support the truth of something or the good character of someone, based on your knowledge or experience: Our accountant will vouch for the accuracy of the financial report. I’ve known him for years and can vouch for his honesty.

7. www.experian.co.uk › consumer › guidesBeing a Guarantor | Who Can Be One & What It Means | Experian

   www.experian.co.uk › consumer › guides

   • Cached

   What does being a guarantor mean? Being a guarantor involves helping someone else get credit, such as a loan or mortgage. Acting as a guarantor, you “guarantee” someone else’s loan or mortgage by promising to repay the debt if they can’t afford to.

   • It’s most likely one of the reasons below:They’re a borrower with no credit history (e.g. a young person, or someone new to the country) They’ve ju...
   • Being a guarantor can cost you money if the borrower can’t keep up their repayments, as you will have to make them instead. If you’re unable to mee...
   • You don’t necessarily have to remain a guarantor for the whole mortgage term (e.g. 30 years). Once the borrower has built up enough equity, most ag...
   • Guarantors with a bad credit history are not likely to be accepted by lenders so it’s unlikely you’ll be able to act as a guarantor if you have a l...
   • Helping a family member or close friend to secure their credit can affect your future mortgage applications. Mortgage lenders look at every aspect...
   • Lenders run a series of checks before approving a guarantor loan to assess whether the borrower or guarantor will be able to repay the loan. Credit...

8. www.citizensadvice.org.uk › loans › personal-loansPersonal loans - Citizens Advice

   www.citizensadvice.org.uk › loans › personal-loans

   • Cached

   You normally borrow a fixed amount, repayable by set monthly instalments over an agreed period of time, called the term of the loan. You’ll usually be charged a fixed rate of interest and sometimes extra fees, especially if the loan is secured. Some lenders give loans with a variable interest rate.

9. www.autotrader.co.uk › content › newsCourt of Appeal ruling on finance commissions: What does it ...

   www.autotrader.co.uk › content › news

   • Cached

   4 days ago · The Court of Appeal reviewed three cases and ruled in favour of the consumers who claimed they were mis-sold car finance, saying that “a broker could not lawfully receive a commission from a lender without obtaining the customer’s fully informed consent to the payment”. The ruling emphasised that car dealers acting as credit brokers have ...