By completing an application you are agreeing that the lender may search their records for information about you and with credit reference & fraud prevention agencies who will record details of the search. If you borrow, details of how you conduct your account (including going into default) may be disclosed to the agencies.

 

Any information providing to the lender or others may be used for making credit decisions regarding you, members of your household or others to whom you are linked financially. information may also be used for debt tracing, fraud prevention and the prevention of money laundering.

 

If you are making a joint application in the absence of the other party or if you state a financial association with another person, you are declaring that you are entitiled to disclose information about him or her and to authorise the lender to search, link and record information about you and anyone referred to by you, with credit reference agencies.

 

This application may be assessed with reference to records of other people with whom you are linked financially, unless those links have been severed.

 

You have a a right to be told with credit reference agencies the lender has used and a right to obtion a copy of your credit file.