Terms and Conditions

When you apply we will search your record at credit reference and fraud prevention agencies and that of your 'financial associate' if you have one, i.e. a person with whom you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be your spouse or partner (not a business partner). We may also, in certain limited circumstances, check the record, including credit details, of other members of your family and, if you are a director or partner in a small business, we may also check on your business.

If you tell us that you have a financial associate, we will search, link and record information about you both at credit reference agencies. You must be sure you have your financial associate's consent to disclose their information.

If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information.

We will use a scoring or other automated decision making system to assess your application and to verify your identity.

When you have an agreement with us we will add to your record with the credit reference agencies details of your agreement with us, the payments you make under it, any default or failure to keep to its terms and any change of name or address.

Account information given to credit reference agencies remains on file for 6 years after the account is closed, whether settled by you or upon default.

Whether or not this application proceeds, the credit reference agency will place a record of our search on your credit file. This record (but not our name) will be seen by other organisations when you apply for credit in the future. A large number of applications within a short period of time could affect your ability to obtain credit.

Whether or not this application proceeds, the agencies will link your records and those of your financial associate(s), including any previous and subsequent names. These links will remain on your and their files until you or they tell the agency you are no longer financially linked and the agency accepts this.

The agencies may supply us with credit information, such as previous applications, the conduct of accounts in your and your financial associate's name, any business accounts you have, fraud prevention information and public information such as County Court Judgments, bankruptcies and the Electoral Register.

Some information held by the credit reference and fraud prevention agencies will be disclosed to us and other organisations

The information held by these agencies may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

You have the right to receive a copy of the information we hold about you if you apply to us in writing. A fee will be payable.

The information in this site is not directed at anyone other than UK residents and applications from others will not be accepted. The information contained in this site may not satisfy the laws of any other country. If you proceed to access the information included in this site, you acknowledge that you have read and agree with the above statement.