Sometimes we share your information with third parties. 

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For example to: 

• provide products, services and information 

• analyse information 

• research your experiences dealing with us 

• collect debts 

• prevent financial crime 

• trace information 

• protect both our interests. 

 

In order to process your application, we will supply your personal information to credit reference agencies (CRAs) and they will give us information about you e.g. your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity. 

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We will also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations. Your data will also be linked to the data of your spouse, any joint applicants, or other financial associates. 

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The personal information we have collected from you will be shared with fraud prevention agencies who will use it to prevent fraud and money- laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment. 

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In order to process your application, we will perform credit and identity checks on you with one or more credit reference agencies (“CRAs”). Where you take a loan from us we may also make periodic searches at CRAs to manage your account with us. 

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To do this, we will supply your personal information to CRAs and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. CRAs will supply to us both public (including the electoral register) and shared credit, financial situation and financial history information and fraud prevention information. 

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We will use this information to: 

• Assess your creditworthiness and whether you can afford to take the product; 

• Verify the accuracy of the data you have provided to us; 

• Prevent criminal activity, fraud and money laundering; 

• Manage your account(s); 

• Trace and recover debts; and 

• Ensure any offers provided to you are appropriate to your circumstances. 

 

We will continue to exchange information about you with CRAs while you have a relationship with us. We will also inform the CRAs about your settled accounts. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs.  

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When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. 

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If you are making a joint application, or tell us that you have a spouse or financial associate, we will link your records together, so you should make sure you discuss this with them, and share with them this information, before lodging the application. CRAs will also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link. 

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The identities of the CRAs, their role also as fraud prevention agencies, the data they hold, the ways in which they use and share personal information, data retention periods and your data protection rights with the CRAs are explained in more detail at each of the three CRAs websites – clicking on any of these three links will take you to the same CRAIN document: 

• Callcredit: http://www.callcredit.co.uk/crain 

• Equifax: https://www.equifax.co.uk/crain 

• Experian: http://www.experian.co.uk/crain 

 

Who are the Credit Reference Agencies and how can I contact them? 

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There are three main credit reference agencies in the UK who deal with people’s personal data. 

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Each is regulated by the Financial Conduct Authority (“FCA”) and authorised to conduct business as a credit reference agency. 

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Callcredit Limited

Post: 
Callcredit Information Group, 
One Park Lane, 
Leeds, 
West Yorkshire 
LS3 1EP. 
Web Address: http://www.callcredit.co.uk/consumer-solutions/contact-us 
Email: consumer@callcreditgroup.com 
Phone: 0330 024 7574

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Equifax Limited 

Post: 
Equifax Ltd, 
Customer Service Centre, 
PO Box 10036, 
Leicester, LE3 4FS. 
Web Address: https://www.equifax.co.uk/Contact-us/Contact_Us_Personal_Solutions.html 
Email: www.equifax.co.uk/ask 
Phone: 0333 321 4043 or 0800 014 2955 

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Experian Limited 

Post: 
Experian, 
PO BOX 9000, 
Nottingham, 
NG80 7WF 
Web Address: http://www.experian.co.uk/consumer/contact-us/index.html 
Email: consumer.helpservice@uk.experian.com 
Phone: 0344 481 0800 or 0800 013 8888   

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We expect these third parties to have the same levels of information protection that we have. 

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We also have to share information with third parties to meet any applicable law, regulation or lawful request. When we believe we have been given false or misleading information, or we suspect criminal activity we must record this and tell law enforcement agencies, which may be either in or outside the UK. 

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We may sometimes contract with the following third parties to supply certain services.

DocuClipper:

Activity Carried Out - Automation of bank statement reconciliations 

Sector - Data analytics 

Bitrix24:

Activity Carried Out - CRM updates 

Sector - Operational & Marketing 

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If any of your personal data is shared with a third party, as described above, we will take steps to ensure that your personal data is handled safely, securely, and in accordance with your rights, our obligations, and the third party’s obligations under the law. You may opt-out of having your data shared with third parties for operational purposes at any time.  

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If any personal data is transferred outside of the UK, we will take suitable steps in order to ensure that your personal data is treated just as safely and securely as it would be within the UK and under the Data Protection Legislation, as explained above in Part 9.