What information we collect.
When you apply for, or enquire, about a loan we will collect information about you, such as your identity, address, employment status as well as other financial information. How we collect it will depend on how you communicate with us, mostly controlled by options you choose such as online, telephone, post or email.
In some situations, we may collect sensitive information about you related to your health to ensure that we offer you loans that are suitable for your circumstances, or that we take a change in your health into account when we administer your loan.
If you apply, or enquire online you will be subject to some automated decision making based on criteria such as your age, residential status and credit score.
We will also collect information about you from outside sources such as credit reference agencies. We will use agencies to confirm your identity, including searching the electoral roll and retaining the results. Information you give over the telephone is retained in recorded calls.
To continue with your enquiry
What are your rights?
Please contact us if you have any reason to believe the data we hold on you is inaccurate. You may review, correct, update or change your personal information at any time by contacting us as set out at the end of this Privacy Notice
Should you wish to obtain a copy of the personal data we hold on you please write to the relevant company at the address shown below enclosing your payment of £10. As soon as we are satisfied as to your identity we will send you, and within the legislated time, depending on the date of your request, send to you a copy of all the data we hold concerning you.
Should you wish to obtain a copy of the personal data other agencies hold about you please write to:
Consumer Services Team,
PO Box 491,
Consumer Help Service,
PO Box 8000,
Credit File Advice Service,
PO Box 1140,
Or request and delete your data here:
Right to request data deletion – http://www.logbookloans247.co.uk/right-to-be-forgotten/
Right to View/Change your data – http://www.logbookloans247.co.uk/rectify-your-data/
Right to Complain – http://www.logbookloans247.co.uk/submit-a-complaint/
Credit reference agencies keep a wide range of information. This includes information from the electoral roll (sometimes known as the voter’s roll) and records of most county court judgements and bankruptcies. They also retain information relating to previous and existing credit and a record of searches made against the file. Lenders share information through the agencies providing a history of how punctually payments are being made or have been made. Loan information is usually held on file for 6 years once settled. Details of the electoral roll may be held for much longer. Information about credit searches is kept for 12 months.
To continue with your enquiry
Reports from CIFAS relating to fraud and fraud avoidance are also available to most lenders – these contain information indicating where fraud, or attempted fraud, has been notified by a lender. The information might not directly relate to you, it might relate to someone who has tried to impersonate you. Data available to members of CIFAS may also be used to help make decisions on motor, household, credit, life and other insurance proposals for you and members of your household. CIFAS information is intended to warn lenders and act as a protection for innocent customers.
CML Repossession Register
The Council of Mortgage Lenders, Repossession Register is available through the main credit reference agencies. If you have had a property repossessed or have given it up voluntarily this will show on the register.
A file may also show a “gone away” marker indicating that a member of the “Gone Away Information Network” has reported that they cannot trace a customer who is in arrears with payments. Alternatively, the marker may indicate a new address which the “gone away” has been traced to.
Files in this register contain detailed information on applications made and loans given. It is aimed at tracing fraudsters who use different combinations of information to obtain credit dishonestly. It checks, and counter checks information given on application forms.
If we use any of the above agencies they will be able to confirm their contact addresses.
To continue with your enquiry
The Information Commissioner provides a useful leaflet which explains how to request changes to your credit reference file. The easy to read leaflet includes examples of letters and details of various actions you may take to amend a file.
Information is available at www.dataprotection.gov.uk
Cookies help us to provide you with a good experience when you browse our website and allows us to improve our site. In agreement with the European Privacy and Electronic Communications Regulations we will regularly conduct an Audit of Cookies used on our website. The cookies we may use are:
Strictly necessary cookies
These are cookies that are required for the operation of our website. They may include, for example, cookies that enable you to log into secure areas of our website.
These are cookies that allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
These are used to recognise you when you return to our website. This enables us to personalise our content for you and remember your preferences.
You can find more information about the individual cookies we use and the purposes for which we use them in the details below:
The cookies used on this website are Google Analytics (used to generate statistics about visitors) & Add This (Used for social media sharing)
For more information about managing cookies, please see http://www.aboutcookies.org/
Changes to this Notice
If our privacy notice changes in any way, we will place an updated version on this page.
Regularly reviewing this page ensures that you are always aware of what information we
collect, how we use it and under what circumstances, if any, we will share it with other