In considering your application, we will search your record at Credit Reference Agencies. They will add, to their record about you, details of our search and your application and this will be seen by other organisations that make searches. This and other information about you and those with whom you are linked to financially may be used to make credit decisions about you and other members of your household.

We do not usually use credit scoring or other automated decision making systems when assessing your application. We may add to your record with the credit reference agencies details of your agreement with us, any payments you make under it and any default or failure to keep to its terms. These records will be shared with other organisations and may be used and searched by us and them to:

Consider applications for credit and credit related services such as insurance, for you and any associated person;
Trace debtors, recover debts, prevent or detect money laundering and fraud, and to manage your account(s)

It is important that you provide us with accurate information. We may check your details with fraud prevention agencies and if you provide false or inaccurate information or we suspect fraud, this information may be recorded.

Fraud prevention agency records will be shared with other organisations to help decisions on credit, motor, household, life and other insurance proposals or claims for you and members of your household.

We will use personal information about you which we acquire in connection with any application you make to us, or any agreement you enter into with us, to manage your agreement and for statistical or market research purposes. Where you have either applied for, or taken out, Payment Protection (PPI) or similar insurance, we will be required to process personal information about you and to provide this information to the insurers for the purpose of administering and handling any claims.

Please telephone us at the number stated overleaf if you want to have details of the credit reference agencies or any other agencies from whom we obtain and to whom we pass information about you. You have a legal right to these details. You have a right to receive a copy of the information we hold about you if you apply to us in writing. A fee may be payable.


We may before entering into this agreement search records at credit reference agencies that may be linked to your spouse/partner or other persons with whom you are linked financially and other members of your household. For the purposes of any application of this agreement you may be treated as financially linked and you will be assessed with reference to associated records.

Where any search or application is completed or this agreement entering into involving joint parties, you both consent to us recording details at credit reference agencies. As a result an association will be created which will link your financial records and your associates information may be taken into account when a future search is made by us or any other lender unless you file a disassociation at the credit reference agency