Tabeo Arvostelua 2 007

Kerri took the time to go through my queries and responded with professionalism and good care.

Applied through my dental practice for a payment in instalments over the period of 12 months (which would have been a total of £700).
I understand that I was not accepted due to low income as it was pointed out at the end of the application however they do give the option to “refer the finance to a friend”.
I was happy about it as I had options. I referred my father and even though he makes £3k pm, he was not accepted for the same reason I wasn’t.
I then asked to refer again but this time to my brother who makes more than £4k pm and was not accepted either. What kind of salary does one need to have to afford to pay £60pm?
I find it very tricky as the option of paying the full amount does not require to know your salary and general background, they would just take the money and I strongly believe this is why they won’t accept finance option when they could just take all at once.

🚩THIS IS A 'BBC PANORAMA' JUST WAITING TO HAPPEN!
❌️No customer phone number to call and
❌️Wont accept Credit Cards (most-likely because of them being frightened of customers' higher protection).
SOMETHING is off about this.
I'll stick wi' mi rotten teef, fanx!

The customer service representative was first class! Dominique was personal, very friendly and very helpful. Her responses were also very prompt. Overall I would give her 5⭐️s!

A very quick and efficient service.

Generally very quickly sorted, just a few problems with information required but all sorted in a few moments 👍 Please with Megan's service 😀

Penny was very helpful!

I spoke to Penny recently apropos of an application that I needed help with a refund of, and she sorted it all out and explained everything very clearly, which I found very reassuring. It is very reassuring to know that if I need help in future I can rely on this level of swift and helpful service!

I received an email from Megan, she confirmed my loan application was successful. Initially I had to wait for my loan decision to be reviewed. This was due to a loan being agreed but having to be cancelled because the dentist didn't provide a quote for all treatment required, only part. Tabeo responded within a few hours stating my loan was successful. Very efficient, I am a happy customer, thank you.

Relatively easy application but difficult to access all necessary documents as proof of application info, but Megan sorted it out and gave approval in a timely manner.

Kerri, thank you for your due diligence whilst reviewing my loan application. I would be thrilled to have an employee such as yourself watching over the finances of my company. Thank you again.

Straight forward process, really quick

Henry was very efficient in handling my application! Would recommend!

Fast quick and polite service from Megan. The complete process was completed in a couple of minutes.

Great service looked after my application very well very happy to recommend

I highly recommend Dominque who provided an excellent service. He guided me through the process of setting up the account to completion. Just wish there were more Dominique’s in the world of Service Provision.

Really easy and quick application process

It's common for the Managing Director of a company to also be a full-time employee of that same company. When completing lending applications, my experience has been that it is preferable for the lender to know you are FTE, and that your job title is MD.

I would suspect the most important thing is establishing your income so that, as a responsible lender, an informed decision can be made. To facilitate this, one is typically given the option to specify various income sources.

Unfortunately, in choosing full-time employment, I was only asked for salary; no option was given for additional income sources before the application was processed.

When I contacted the online support to explain the situation, it was suggested that I had to contact the third party in order to rectify the situation.

I explained that I did not think it was appropriate for me to have to redo the entire application, and in particular for me to have to involve the third party, when neither of us were “at fault" so to speak. I took the time to suggest two possible ways in which the application process might be improved in order to mitigate this issue in future.

I also provided them with a full summary of my annual income detailing the sources of income along with a true and correct total income. I also provided a copy of my SA100 to evidence this. I asked if the application could be reviewed in light of them now having the necessary, accurate information.

This was refused and the original advice reiterated. In the absence of any explanation as to why a review of the existing application could not be undertaken, I was left with the impression that this company did not particularly care about the issue. Nor did they respect the fact that this would now place an additional burden on me, the consumer, as well as their client for whom they are acting as an intermediary for as a finance broker.

This is disappointing, because I suspect many people will rely on such a facility in order to be able to manage the costs of healthcare. As such, I think it is important that a company acting as gatekeeper to people’s health and wellbeing recognises the need to be sensitive, due to the potential impact of creating additional friction in the process of people trying to balance their health with any financial concerns they might have.

For my part, I am in the fortunate position that I have the choice to refuse to use this service now, and pay the clinician directly. I will also explain to the clinician exactly why I am doing this, as they might otherwise be unaware of how their patients are being treated.

I acknowledge this is a small inconvenience. It is not the inconvenience itself that is the issue. It is the failure to share ownership of the issue, and the potential for that to cause second-order issues, particularly if people are in vulnerable situations.

I accept my failure to select the correct option. I understand that it was because of this I was then unable to provide the information that I needed to. On realising my error, I made the effort to correct my mistake by taking the time to find the correct information, collate this into a useful format, and provide it to the lender so that they might be able to re-process with a minimum of hassle.

I think that this organisation has an opportunity now to reflect on what (if any) mistakes they might have made and how they might have handled the situation better.

Eugenia provided a Excellent service. With Great communication and was very quick and informative regarding everything