The information you give us will be passed to our processing and lending
companies and a credit search will be carried out by them in order to establish if
a loan may be granted and to prevent fraud, money laundering and tracing
debtors. The searches will be placed on record and may be referenced by other
companies to whom you may apply. If your application is made jointly with
another person you have to be able to confirm you have that persons authority
to allow us to carry out a search on that person also. The search may also link
with previous addresses of yourself or a joint applicant.
Suspected frauds may be recorded at an agency and the record may be shared
and used to make decisions on other products such as insurance, credit and
other forms of finance for yourself and other members of the household.
In some cases a credit scoring system is used in assessing applications. From
time to time we or our lenders may mail you with details of other products
available.
Where an application is joint with another person the applicant must have that person’s authority for us to carry out a credit search. If they do not have authority, written consent must be obtained from that person.