When Another Specialist Is Required
When a consumer-credit matter falls outside ConsumerLaws’ consultancy scope, another professional may be appropriate. Understand the proposed referral and how your information would be handled.
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The advice page helps you prepare a short issue summary before discussing a possible referral.

THE ISSUE COMES FIRST
Another professional may be appropriate.
The destination depends on the issue and the limits of ConsumerLaws’ consultancy role.
A REFERRAL IS ISSUE-SPECIFIC
Possible referral destinations
Depending on the issue, a referral may be to:
- An independent affiliate attorney
- A credit bureau
- A credit provider complaint team
- The National Financial Ombud
- A regulator
- An insurer
- Another appropriately qualified or regulated specialist
No hidden transfer of personal information
The proposed recipient and reason for the referral should be explained, and the required consent obtained before personal information is shared.
The recipient
Who is the proposed recipient?
The reason
Why is this referral being proposed?
The consent
What consent is required before personal information is shared?
INDEPENDENT PROVIDER · OWN TERMS
The specialist is responsible for their own work
Any independent provider should give the consumer its own engagement terms, fees, privacy information and professional disclosures.