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Data protection:
In considering your application we will search your record at a credit reference agency/ies. They will add to your record details of our search and your application. This will be seen by other organisations carrying out later searches. We will use a credit scoring or other automated decision making system when assessing your application. It is important that you give us accurate information. We and other organisations may use and search these records to:
Clayton House, 59 Piccadilly, Manchester M1 2AQ
Tel: 0844 884 1951
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* help make decisions about credit and credit related services, for you and members of your household;
* help make decisions on motor, household, credit, life and other insurance proposals and insurance claims, for you and members of your household;
* trace debtors, recover debt, prevent fraud, and to manage your accounts or insurance policies;
*check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity.
The credit reference agency/ies and the fraud prevention agency/ies will also use the records for statistical analysis about credit, insurance and fraud.
The main credit reference agencies are:
| Callcredit plc Consumer Services Team PO Box 491 Leeds LS1 5XX |
Experian Limited |
Equifax plc |
You have a right, on payment of a fee, to receive a copy of the information we hold about you if you apply to us in writing.
Sometimes your information maybe linked with other persons.
By ticking the box you are confirming your permission for us to carry out a credit search on your name and any linked persons.
While applying for a secured loan through Optimum Finance Ltd you agree for your application to be passed on to associated companies/3rd Parties if we are unable to help.
For further information concerning how your data will be used we will provide you with a booklet issued by Finance Industry Standards Association called 'Borrower Information Guide' and reference should be made to Pages 19-26 or read Further information.
You could also find lots of useful information about handling your personal data and your credit details at the Information Commissioners. For more information on how to do this, see their website www.ico.gov.uk or ring 08453 091 091 for a free copy of ‘Credit explained’.
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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOAN SECURED ON IT.
Loans are subject to status and are available to homeowners aged 18 or over. Loans are secured on your home. Calls may be recorded. The credit broker arranging your loan will be Optimum Finance Limited. Optimum Finance Limited is authorised and regulated by the Financial Services Authority under reference number 463496. Second charge secured loans are not regulated by the Financial Services Authority.
| Listed on Smile Local for: Loans in Manchester Registered in England and Wales No. 6044169 Registered Office: Reedham House, 31 King Street West, Manchester M3 2PJ. |
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