Privacy Policy


UK Credit Limited (UKCL) – Privacy Policy

This Privacy Policy sets out what information UKCL will collect about you and how UKCL uses and protects any information that you give us (via this website or during any other transactions with us).

UKCL may change its Privacy Policy or its Privacy Policy wording from time to time by updating this page.

This page was last updated August 2017.

By submitting your application to UKCL, you confirm you have read this privacy policy and the UKCL Terms and Conditions / Terms of use and Cookie Policy.

About us

UK Credit Limited is a company registered in England and Wales with company number 6929807, whose registered office is at St Crispin’s House, Duke Street, Norwich NR3 1PD.

Our VAT number is 765353512.

UK Credit Limited is Authorised and regulated by the Financial Conduct Authority Reference No. 721556.

We are registered with the Information Commissioner’s Office. Our registration number is Z2022318.

Telephone calls

If you call us or if we call you by telephone, the call may be recorded for monitoring, staff training and compliance purposes.

Credit Reference Agencies – checks

We will make searches about you at credit reference agencies & fraud prevention agencies who will supply us with credit information (including details of your current outstanding debts & repayment profiles), as well as information about your ability to repay the proposed loan (by way of electronic income verification), information from the Electoral Register and information to confirm your identity (by way of electronic identity verification).

Fraud prevention agencies

  • If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
  • Law enforcement agencies may access and use this information.
  • We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:
    • Checking details on applications for credit and credit related or other facilities
    • Managing credit and credit related accounts or facilities
    • Recovering debt
    • Checking details on proposals and claims for all types of insurance
    • Checking details of job applicants and employees

Please contact us if you want to receive details of the relevant fraud prevention agencies.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.


To obtain details of the fraud prevention agencies, please contact:

Head of Compliance, UK Credit Limited, St Crispin’s House Duke Street Norwich NR3 1PD.

The Borrower & the Guarantor: ‘Soft’ credit search / enquiry search

When you first enquire, our initial credit search, which is used to generate your loan quote, is a ‘soft’ search (enquiry search) and does not leave a footprint on your credit file. The search should not impact upon your credit rating and cannot be seen by other people making searches in the future.

The agencies will record details of the search whether or not this application proceeds.

We may also use automated credit-scoring methods to assess this application.

To prevent or detect fraud, or to assist in verifying your identity, we may make searches of Group records (other companies in the same group as UK Credit) and at fraud prevention agencies who will supply us with information. We may also pass information to financial and other organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud.

We, members of the Group, and other companies may use this information if decisions are made about you or others at your address (es) on credit or credit-related services.

This information may be used to help us and other organisations;

  1. to assess the financial risks of dealing with you and other members of your household; and
  2. to help prevent or detect fraud, prevent money laundering or other crimes, recover debts and trace debtors; and
  3. for statistical analytics about credit & fraud.

The Borrower: If your loan application is successful – ‘Hard’ credit search / application

If you decide to proceed with the loan and funds are released, a ‘hard search’ (application search) will be carried out against you. This hard search will be recorded by the credit reference agency and may be seen by other people searching in the future. This is a requirement of the credit reference agency.

Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by us. Other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.

The Borrower: searches in the future and reporting to Credit Reference Agencies

If you obtain a loan with us and whilst your loan account is live we may make periodic searches at Credit Reference Agencies and Fraud Prevention Agencies so that we can manage your account with us.

UK Credit will submit details of your account status and how you conduct your account (including defaults) to the Credit Reference Agencies & Fraud Prevention Agencies.

The Guarantor: reporting to Credit Reference Agencies

The account status is not reported against the Guarantor. Your credit file will not be impacted by the conduct of the account, unless a County Court Judgement (CCJ) is obtained against you, for non-payment / breach of contract.

If fraudulent activity is detected, UK Credit will submit details to Fraud Prevention Agencies.

Information sharing with the Borrower / Guarantor

If you enter into a loan agreement with us, or agree to be the Guarantor, you consent to us sharing financial information about the conduct of the account with the Borrower / Guarantor.
This includes (but is not restricted to) UKCL contacting the guarantor in certain circumstances, for instance where the Borrower fails to make any payment due on the loan and informing the Guarantor of any default on the agreement.

Information sharing with brokers (if applicable)

If you are introduced to UK Credit by a broker (intermediary), we will inform them about the progress of the loan application and whether you have been successful. The broker will not be informed about the performance of the loan (whether you are paying or not) once funds have been released.

Personal information

Our commitment to you about your personal information

We will treat all your information as private and confidential (even when you are no longer a client).

We will not give your data to anyone else unless we have your express consent, except where we are required to do so by law or asked to do so by a court or regulator, or where the disclosure is made at your request or with your consent in relation to arranging your loan.

Where your application has been introduced to us by a third party, for example a credit broker or price comparison website, we may disclose information concerning the progress of your application to them.

What we collect

During the enquiry / application process and during the life of the loan we may collect personal and financial information including (but not limited to):

  • Name, address & postcode
  • Employment type and income
  • Details of benefits / secondary income
  • Date of birth
  • Contact information including telephone number(s) and email addresses
  • Address history
  • Other information relevant to the enquiry / application
  • The performance of your loan

What we may do with information that we have about you

The information we gather will be used for the following reasons:

  • Assess your credit profile
  • Carry out credit searches /checks with fraud prevention agencies
  • To keep your broker (if any) informed about the progress of your loan application
  • Electronically verify your identity (in some cases)
  • Electronically verify your income (in some cases)
  • To administer your loan and manage your account
  • To record and respond to complaints
  • To improve our products and services
  • Statistical analysis, research and behavioural analysis
  • To improve this website

Accuracy of the data we hold about you

If you have reason to believe that the data we hold about you is inaccurate, please write to us at the address below detailing the error. We will promptly correct any information confirmed to be incorrect.

Future marketing

If you have provided your consent, we will keep you informed of new products, rate changes and additional borrowing offered by UK Credit Limited.

Future marketing contact will be made by letter, telephone, recorded messages, fax, email, SMS or other means.

If you prefer not to be contacted by us, please e-mail your name, address & postcode to:

Security of your data

UKCL is committed to ensuring that your personal information is held securely.

We have put in place various controls and procedures to protect and keep secure the information we collect online or hold separately.

If you contact UKCL by telephone, you will be asked a number of security questions before we will discuss your personal details or loan account with us.


Please refer to our cookies page.

Your right to access information that we hold about you (Subject Access Requests)

We may process and store information about you electronically and/or in manual records. Any such information that is personal data as defined in the Data Protection Act 1998 (“DPA”) will only be used by us for the purposes registered by us under the DPA.

The DPA gives you the right to ask us to provide you with certain information that we hold about you.

Any request in that respect should be made in writing and addressed to our Data Protection Officer (address at foot of page).

UK Credit Limited reserve the right to request payment of up to £10.00 for each Subject Access Request received.

Upon receipt of a Subject Access Request and the appropriate payment UK Credit has a maximum of 40 days to respond.

Questions about our Privacy Policy

If you have any questions or comments regarding our Privacy Policy, please contact our Data Protection Officer (address at foot of page).


To register a complaint, please visit our complaints page.

Data Protection Officer

Data Protection Officer, UK Credit Limited, St Crispin’s House Duke Street Norwich NR3 1PD.