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Course: Supporting Vulnerable Customers in Prope...
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Supporting Vulnerable Customers in Property Transactions – England

Text lesson

Lesson 4 – Visible and Non-Visible Circumstances

Some circumstances may be apparent, while others may not be visible.

Visible circumstances

Possible visible indicators may include:

  1. The use of a wheelchair or mobility aid;
  2. Assistance from a guide dog;
  3. Apparent difficulty hearing;
  4. Obvious difficulty reading a document;
  5. Physical signs of illness or injury; or
  6. Severe distress during a conversation.

Even where an indicator is visible, the employee must not assume what assistance is required. The customer should be asked respectfully.

Non-visible circumstances

Many forms of vulnerability are not immediately apparent, including:

  1. Mental-health difficulties;
  2. Learning disabilities;
  3. Autism;
  4. Cognitive impairment;
  5. Low literacy;
  6. Domestic abuse;
  7. Financial abuse;
  8. Bereavement;
  9. Serious illness;
  10. Homelessness risk;
  11. Debt;
  12. Digital exclusion; and
  13. Difficulty understanding English.

A customer may also choose not to disclose personal circumstances because they:

  1. Consider the information private;
  2. Fear embarrassment or discrimination;
  3. Do not identify themselves as vulnerable;
  4. Do not know that support is available;
  5. Fear that disclosure will harm their application; or
  6. Are being monitored or controlled by another person.

Appropriate approach

Employees should focus on the barrier or support need rather than attempting to identify a diagnosis.

A suitable question may be:

“Is there anything we can do to make this process easier or more accessible for you?”

An employee should generally avoid questions such as:

“What is wrong with you?”

or:

“What medical condition do you have?”

Medical details should only be requested where there is a clear, relevant and lawful reason.