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1. Whenever you connect with us just just take a Finance Package out, we are going to check always the next records about yourself among others (see 2 below):

1.1 our personal database;

1.2 Those at CRAs. whenever CRAs receive a search from us they will place a search footprint on the credit report which may be seen by other loan providers. They provide to us both public (such as the electoral register) and provided credit and fraudulence prevention information.

1.3 Those at fraud avoidance agencies (FPAs).

We shall make use of this information to:

  • Assess your creditworthiness and whether you really can afford to simply take the Finance Package out;
  • Confirm the precision associated with information you’ve got supplied to us;
  • Counter activity that is criminal fraudulence and cash laundering;
  • Handle your account(s);
  • Trace and recover debts; and
  • Ensure any offers supplied for you are appropriate to your needs.


Equifax Ltd customer support Centre PO Box 10036 Leicester LE3 4FS

Ideal Data Solutions Limited (trading as LendingMetrics) Lancaster Court 8 Barnes Wallis path Fareham, PO15 5TU

2. That you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them if you are making a joint application or tell us. CRAs also link your documents together and these links will continue to be in your and their files until such time while you or your lover successfully files for a disassociation with all the CRAs to split that link.

3. Info on applications may be delivered to CRAs and you will be recorded by them. In which you borrow from us (such as for instance in which you sign up for a Finance Package with us), we are going to provide information on your records and exactly how you manage it/them to CRAs. In the event that you borrow plus don’t repay in full as well as on time, CRAs will record the outstanding financial obligation. These records are provided to many other organisations by CRAs and FPAs to execute checks that are similar to locate your whereabouts and recover debts you owe. Reports remain on file for six (6) years by you or defaulted after they are closed, whether settled.

4. Please make sure the info you provide about your self holds true since it would be examined. In the event that you provide us with false or inaccurate information and then we suspect or identify fraudulence we shall record this and may pass this information to FPAs as well as other organisations involved with criminal activity and fraudulence avoidance.

5. For those who have lent from us nor make repayments which you owe us, we’re going to locate your whereabouts and recover debts or perhaps the asset.

6. Your computer data may also be used for any other purposes for which you give your particular authorization or, in not a lot of circumstances, whenever needed for legal reasons or where allowed underneath the regards to Data Protection Laws.

Where to find down more

It is a condensed variation and if you wish to read through the entire information on just how important computer data can be used please contact us regarding the details in the ‘CONTACT DETAILS AND COMPLAINTS’ section.

You are able to contact Lending Metrics in the address above written down to request the information and knowledge about you(please note, a small statutory fee may be payable) that they hold.

The facts in this policy regarding the 3rd events in this part are for the information just. More information in regards to the CRAs, their part as fraudulence avoidance agencies, the information they hold, the methods for which they normally use and share information that is personal data retention durations as well as your information protection liberties using them are explained much more information in the Credit Reference Agency Information Notice (CRAIN) accessible through the credit guide agency’s web sites (see above for link).

CRAs have a appropriate responsibility to explain the purposes and appropriate foundation for processing your individual information. Please constantly make reference to the CRAs’ privacy policies on the sites (see above) for such information. We have been maybe not accountable for the privacy policies or methods among these alternative party recipients of the individual information.

Other agencies:

We might offer your individual information with other agencies (including FPAs), this is to be able to assist lenders such as for example us trace debtors, retrieve debt, avoid fraudulence and also to check always your identification to avoid money laundering. From us and failed to make repayments, we may trace your whereabouts and recover debts if you have taken out a Finance Package. Agencies are not allowed to help keep “blacklists” nor should any opinion is given by them about whether or otherwise not credit finance ought to be awarded to you personally this for people to choose.

Each agency includes a duty that is legal give an explanation for purposes and appropriate foundation for processing your individual information. Please constantly make reference to the agency’s online privacy policy on their site for such information. We have been maybe not in charge of the privacy policies or methods of those party that is third of one’s individual data.

Accessing your file:

You can do so by writing to the relevant agency if you wish to see the information contained on an agency file. If for example the file contains information about yourself which can be wrong (or contains information on other folks with that you do not have financial connection) you are able to request the relevant information to be corrected, removed or have note placed on the file describing why you imagine the information is incorrect. The agency will perhaps not remove information that is correct.


Open Banking could be the protected way of supplying usage of your bank or building society account to providers who will be registered for this function.

Registered providers and banks which can be participating building communities are detailed underneath the Open Banking Directory.

We utilize Open Banking us to process loan applications efficiently, securely and in our customers’ best interests as it allows. By allowing use of your bank or building society username and passwords in this manner, we’re able to make a much better financing choice even as we will probably be in a position to confirm your earnings, outgoings along with other matters so that you can assess just what loan terms will be ideal for you in relation to that which you can fairly afford to repay.

How your data that are personal be processed for the purposes of Open Banking:

By continuing along with your application for the loan via our web site you expressly consent to us sharing the information you have provided in your application for a Finance Package, that will consist of your private data (“the Shared Personal Data”), with your subscribed Open Banking partner, Lending Metrics. Lending Metrics can also be a credit guide agency.