Source of Information
The information we hold comes from a variety of sources, as detailed below
* Directly from you when you apply for, or enquire about, our services.
* As a result of providing our services to you by way of third party contact e.g. companies to which you have applied for other products and services.
* Other organisations such as credit reference agencies and fraud prevention agencies.
* By way of an online search to verify your identity.
* Creditor and bank statements and publicly available information such as the Land Registry, local council websites and valuation websites.
What personal information we collect
The type of personal information we are required to collect in order to assess your financial position and offer debt and insolvency advice will include but is not limited to:
* Name, address
* Date of birth
* Your living and residence arrangements
* Details of all of your income and expenditure as well as your assets and liabilities
We may record and monitor calls to help us to improve our services and monitor quality. The information will be held in both paper format and electronically. The data is held securely.
How we use your information
The information we hold about you will be used to enable us to perform our legal obligations under the provisions of the current applicable legislation. We may sub-contract a number of duties and processes to third party companies, in order that we may more effectively fulfil our obligations. These companies will undertake to deal securely with your information and in accordance with current legislation. The purpose of processing the data will be to assess your financial position and advise you with regard to the best solutions for your financial situation. We will use the information to maintain our case records as required by legislation and our Recognised Professional Body (RPB). We will need to process financial transactions (collect payments from you and distribute payments to your creditors). We have a legal obligation to prevent and detect crime, fraud and corruption.
Who we share your personal information with
We will only share your personal information where required by legislation. We will only pass information as necessary to fulfil our legal obligations. Information is not shared with any third parties, companies, and sub-contractors, located outside of the European Economic Area.
Marketing and Data Sharing
We will not share any data or information about you with any third parties except where we are required to do so by law and in the execution of our legal obligations as detailed previously in this document. We will never use your data for marketing purposes and we will never sell your data to any third parties.
If you do not provide your personal information
If you do not provide your personal information at the outset of the process we will not be able to provide you with advice as to the range of solutions for your financial difficulties. On the basis that we are not yet formally appointed, we will not be able to continue to act on your behalf. Once you have chosen to enter a debt solution, if you do not provide your personal information you will be in breach of your duties which may result in us terminating the debt solution process and to cease to act on your behalf.
How long we retain your personal information for
We are required by the framework that we operate under to retain our case files and any associated information for a period of 6 years after we leave office. The individual circumstances of your case may require us to hold the information longer. We will only do so if required to by the legislation in force at the time.
If you provide your personal information and your application cannot go ahead we will retain your information for 6 years in the case of a rejected IVA at creditor meeting and 12 months in the case of an application where no creditor meeting has been called.
* Access to your information
o You can request a copy of your personal information that we hold.
* Correcting your information
o We want to make sure that your personal information is accurate, complete and up to date and you may ask us to correct any errors in the information we hold. We may ask you to evidence any changes that you want us to make.
* Deletion of your information
o You have the right to ask us to delete your personal information where:
* You have validly objected to our use of your personal information
* Our use of your personal information is contrary to law or our other legal obligations.
* Please note that we retain your information to enable us to perform our legal obligations and as such these obligations may override a request that you make.
We do not use any personal information on an automated basis
We have set out our policy when using our website.
o A cookie is a small amount of data, which often includes an anonymous unique identifier that is sent to your browser from a website's computer and stored on your computer's hard drive. Each website can send its own cookie to your browser if your
browser's preferences allow it, but (to protect your privacy) your browser only permits a web site to access the cookies it has already sent to you, not the cookies sent to you by other sites.
* Log Files
o Like cookies, log files allow us to record usage of this site. We use this information for analytical purposes as understanding patterns of user behaviour helps us improve our website. Log files do not contain personal information and they are not used to identify individual patterns of use of the site. For further information you can visit www.allaboutcookies.org.
Changes to our privacy statement, contact information and further advice
We regularly review this statement and will provide further updates as required. For paper copies or to discuss our policy or further advice please email or write to National House, 80 - 82 Wellington Road North, Stockport, SK4 1HW or call 0800 019 8383.
We seek to resolve all complaints directly about how we handle personal information. Please use the above contact details and we will do our best to rectify matters. Should you remain unsatisfied, you have the right to lodge a complaint with the Information Commissioner's Office, whose contact details are as follows:
Information Commissioner's Office,
Their telephone number is 0303 123 1113 (local rate) or 01625 545 745.
The website address is