Our commitment to you about your personal information
Credit Searches & checks with Credit Reference Agencies
We will make searches about you at credit reference agencies who will supply us with credit information (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) and information from the Electoral Register.
The agencies will record details of the search whether or not this application proceeds. We may use manual credit-scoring methods to assess this application and to verify your identity. 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.
To prevent or detect fraud, or to assist in verifying your identity, we may make searches of Group records 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. If you give us false or inaccurate information and we suspect fraud, we will record this. 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.
What we may do with information that we have about you
Information that we obtain about you from you and others may be used by us and/or shared with other companies in the same group as us, introducers and third parties and/or to contact you by letter, telephone, fax, email, SMS or other means.
If you prefer not to be contacted by us or any other company in the same group of companies as us with information about products that we or they think may be of interest to you please e-mail your name and address (including your postcode) to email@example.com or write to:
Data Protection Officer UK Credit Limited St Crispin’s House Duke Street Norwich NR3 1PD.
Your right to access information that we hold about you
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 addressed to our Data Protection Officer (address as above).