Credit Applications
We have to tell you about how "Your Information" will be used in connection with your application. "Your Information" means the information you have given us, which we pass on to the finance company, or which they receive from their own enquiries and searches at the credit reference and fraud prevention agencies. This applies to all applicants, including directors and partners if the application is made by a limited company, partnership or an incorporated association. The finance company check your details with credit reference and fraud prevention agencies, and these agencies will record the check. They will provide the agencies with your current and previous names, address and dates of birth of all parties, so if you are providing information about others, on a joint application, you must be sure that you have their agreement. The agencies will provide them with public information about you and any third party financially linked to you. Information such as county court judgements (CCJs) and bankruptcies, electoral register and fraud prevention information on you and your financial associates, current and previous names, addresses and dates of birth. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. The agency searches that the finance company make, will leave a search footprint, both on their records and on your credit file at the agencies they have used, whether or not this application proceeds. If the search was for a credit application, the record of that search (but not in their name) may be seen by other organisations when you apply for credit in the future. If you made a joint application, they may link together the records of joint applicants, called financial associates. They will also link all your previous and subsequent names and addresses. Links between financial associates will remain on your and their files until such time as you or your associate successfully files for a disassociation with the credit reference agencies. Information provided may be supplied to other organisations and used by the agencies and them to assess you and your household for:- credit and credit related services; household, credit , life and other insurance proposals and claims; debt tracing and recovery; checking details of job applicants and employees, prevention of fraud and money laundering; managing your accounts; statistical analysis about credit, insurance and fraud; market research, and to verify your identity if you or your financial associate applies for other facilities, including all types of insurance applications and claims. They and other organisations may access and use the information recorded by fraud prevention agencies from other countries. Information about you may also be used for other purposes for which you have given specific information, or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998. Credit scoring techniques will be used to assess your application. Data Protection Notice So that we may assess your application for finance, you agree that we may search the files of any licensed credit reference agency who will keep a record of that search. If the funder enters into this agreement with you, they will declare information about you and the conduct of your account at any time to any licenced credit reference agency. This information may be used by other lenders in assessing applications for finance from you and members of your household and occasionally for fraud prevention and trading orders. They may also disclose information about you and your conduct of this agreement at any time to any motor trader, insurance company, vehicle recovery tracing agent, lawyer, law enforcement agency, mailing agency, and our parent, associated and subsidiary companies and their respective agencies and contractors. I confirm that the information above is true and accurate. By submitting this form you confirm your authority for your application to be credit scored Cancellation Policy: Even if youve signed an order and paid a deposit, we guarantee to give you a no quibble refund and we wont charge you a thing should you need to cancel your order. Our finance partners will have their own cancellation policy should you wish to cancel your contract once you have taken delivery of your vehicle. For more information on the individual cancellation policies please refer to your finance documentation.