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Credit Protections Offered To Male Victims of Domestic Abuse by New Partnership

Abused Men in Scotland (AMIS) and Vulnerability Registration Service (VRS) come together to help male victims of domestic abuse stop credit from being taken out in their names.

Male victims of financial abuse in Scotland will finally be able to take back some control over their finances without placing themselves at further risk of abuse from partners.

This is thanks to a new partnership between the VRS, a not-for-profit central vulnerability database, and AMIS, a Scottish charity offering a lifeline to male victims of domestic abuse.

Abused men who have made themselves known to AMIS and have given permission, will be registered onto the VRS database by AMIS on their behalf. This will help ensure that male victims of domestic abuse whose partners are also controlling their finances and taking out further debt in their names are highlighted safely and securely to credit and service providers through a ‘risk of coercion’ flag applied by the VRS.

Organisations accessing the VRS database will be able to focus their resources and adapt their actions appropriately, such as turning down a request for a new loan, service or higher credit card limit, and exercise the caution needed to handle such situations.

Crucially, the abusive partner will not be given any indication of why the service or credit has been turned down, ensuring further harm is not caused to the victims.

The partnership aims to ensure that men in Scotland who are in abusive relationships, whose finances are being controlled by a partner, have some way of protecting their financial wellbeing. It gives them a way of doing this without having to formally contact each service or credit provider, or risk alerting their abusive partners to the fact that they are taking action.

The team at AMIS first heard about the valuable work undertaken by VRS in 2021 and knew straight away that it was a service that could really help the men they work with.

“Often, these men have secure jobs and are considered financially sound. In reality, they are victims of financial abuse, explains Iris Quar, services manager at AMIS.

“The abusive partners have complete control over their money, so keeping track of all the credit and services that have been applied for in their names is impossible for them. The abusers also control their time and access to family, friends and places.

“This means the abused men simply do not have the ability to contact each and every provider with their story, and they are scared of being found out. But on top of that, the organisations do not make it easy for them.”

According to AMIS, the biggest barrier encountered when trying to make credit and service providers aware of their circumstances is the need for written permission. Each organisation must have a mandate from the victim, highlighting their circumstances and the need to put a stop to further credit or services being taken out.

The victims, however, are reluctant to put anything in writing for fear of their abusive partners finding out. Furthermore, there will be many more services taken out in their names with organisations that they are not aware of.

“By taking away their partner’s ability to apply for credit in their name, it is the best, and probably the only, way for victims of financial abuse to gain back some control and this is so important for them,” Quar continues.

“But they need help. They need a third party, like AMIS and the VRS, to do this for them. Now, we can register them with the VRS and their case will be managed appropriately without them having to do anything more, being approached by the organisations or being found out.

“The impact of the work by the VRS is incredibly valuable and all organisations should be using the database – they have a duty to identify, support and safeguard people who are at risk.”

The VRS database is a central, independent register of vulnerable people, that helps organisations to identify vulnerability and treat their customers fairly and appropriately. Service providers using the VRS database will be alerted if their customers are victims of abuses through a ‘risk of coercion’ flag.

Adding to this, Helen Lord, CEO of the VRS, said: “The reason that organisations like AMIS and VRS exist is to help and protect people like this – people who would be putting themselves at risk if they approached all the service and credit providers to make them aware of the circumstances in which they live.

“Organisations, particularly banks, utilities, mobile phone companies, local authorities and councils, have a duty to use this information and act in the best interests of these victims. They must play a more active role in identifying and protecting those customers who cannot protect themselves.”

According to Refuge, 16 per cent of adults in the UK have experienced economic abuse. Economic abuse is when one person deprives their partner of financial resources or the ability to make money.

This creates a financial dependency, which is a way to control them or prevent them from leaving the relationship. According to independent research commissioned by the VRS, six per cent of the UK population admitted to being pressured to take out credit or apply for a new service for someone else.


  • Tyler is a fintech journalist with specific interests in online banking and emerging AI technologies. He began his career writing with a plethora of national and international publications.

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