Data Protection Act 1998

USE OF YOUR PERSONAL INFORMATION

You are applying to enter into an agreement for Credit, be it a loan or mortgage or any other form of financial arrangement (hereinafter referred to as ‘Credit’). This will involve the use of your personal information.

YOU HAVE A RIGHT TO KNOW HOW WE WILL USE YOUR PERSONAL INFORMATION AND IT IS IMPORTANT THAT YOU READ THE FOLLOWING AS YOU ARE AGREEING TO THE USE AND DISCLOSURE OF YOUR INFORMATION.

You are consenting to our transferring and/or communicating your personal data, in whatever form by any medium, to any potential lender or third party or parties having access to potential lenders. You are agreeing for those lenders, parties or persons to use or process it, in connection with your application for Credit and/or the processing and management of any Credit Agreement.

1. In considering your application any potential lender, third parties to whom we have passed your personal information or we will search your records at Credit Reference Agencies ("your records"). They will add to your records details of the search and your application and this will be seen by other organisations that make searches. Information held about you by the Credit Reference Agencies may already be linked to records relating to one or more of your partners. For the purpose of this application, you may be treated as financially linked and your application will be assessed with reference to any 'associated' records.


2. An association between joint applicants or between you and any named partner or spouse will be created at the Credit Reference Agency. This will link your financial records, each of which will be taken into account in all future applications by either or both of you. If an association already exists then your application will be assessed with reference to these associated records. This situation will continue until one of you successfully files a disassociation at the Credit Reference Agency or Agencies.


3. It is important that you give us accurate information. Any proposed lender or third parties to whom we have passed your information, will check your details with fraud prevention agencies and if you give false or inaccurate information and fraud is suspected, this will be recorded.


4. Your records will be shared with other organisations and used to:


1. Help make decisions about credit and credit related services, such as insurance for you and members of your household;


2. Trace debtors, recover debt, prevent money laundering and fraud, and to manage your accounts.


3. The credit reference agencies and the fraud prevention agencies will also use your records for statistical analysis about credit, insurance and fraud.


5. Any proposed lender may use a credit scoring or automated decision making system and in the event that your application is successful may add to your records, with the Credit Reference Agencies, details of any agreement with you, the payments you make under it and any default or failure to keep to its terms. These records will be shared with other organisations and may be used and searched by the lender, other organisations, us and third parties to whom we have passed your personal information:


1. To consider applications for credit and credit related services, such as insurance, for you and any associated persons;


2. To trace debtors, recover debts, prevent or detect money laundering and fraud and to manage your account or accounts.

Please phone us on 01260 223540 if you want to have details of those Credit Reference and Fraud Prevention Agencies from whom we obtain and to whom we pass information about you. You have legal rights to these details. You have a right to receive a copy of the information we hold about you, if you apply to us in writing. A fee will be payable.

Your details will be held on computer systems. We may use your information to identify and advise you by post, telephone or electronic media of products or services, which we think, may interest you. We may do so if you are presently registered, or register within a 12 month period of the date hereof with the Telephone Preference Service or Mail Preference Service, unless indicated by you or by you informing us in writing to Farm and Country Finance PO Box 39 Congleton Cheshire CW12 2FG

Please let us know if you do not wish your information to be used for marketing purposes. Your information will not be transferred to any third party for marketing purposes without your specific authorisation.

ABOUT US

Farm and Country Finance is a trading name of  L & G Bracegirdle Limited whose registered office is St James Building 79 Oxford Street Manchester Ml 6HT and whose trading office is PO Box 39 Congleton Cheshire CWI2 2FG. The company is registered in England & Wales number 4103518. L & G Bracegirdle Limited is licensed by the Office of Fair Trading, number 496942.

Our contact numbers are, telephone 01260 223540 fax 01260 223785 email info@farmershelpline.co.uk 

COMPLAINTS

We want you to be entirely satisfied with our service. In the event that you are not, we will seek to resolve your complaint in accordance with our complaint procedures, a summary of which is available on request. If, after giving us chance to resolve your complaint, you remain unsatisfied you may be entitled to refer your complaint to the Financial Ombudsman Service