Unsecured Credit Company will use the information you provide for the following purposes:

* To process the application or enquiry you have made;
* To make, or cause a search or searches to be made, at a credit reference agency on yourself and any other named Person (s) on the application or enquiry. When credit reference agencies receive a search they will place a search “footprint” on your credit file whether or not the application proceeds.
* We will search at credit reference and fraud prevention agencies for information on all named Person (s) on the application or enquiry and their financial associates’; We will use the information provided to us by credit reference and fraud prevention agencies to help make credit or credit related decisions, to verify identity, for the prevention and detection of fraud and/or money laundering, and to manage accounts.
* The information which we and other organisations provide to the credit reference and fraud prevention agencies may be supplied by credit reference agencies to other organisations and used by them to perform similar checks.
* To contact you or any other person referred to by you in connection to the application or enquiry you have made. You are, of course, under no obligation to apply for any of the services or products offered
* On some occasions in order for UCC to be able to find an offer it maybe appropriate to negotiate the loan amount on your behalf. This will involve lowering the loan amount before being submitted to a lender.

Some of our lenders may undertake a search with Experian in order to verify your identity. Experian may check the details you supply to us against any particulars on any database, public or otherwise, to which they have access. They may also use the details we supply in the future to assist other companies for verification purposes. A record of the search will be retained by Experian but this will not affect your credit score and will not be seen by others.

If you are providing information about others, on a joint application, you must be sure that you have their agreement.

If you give us false or inaccurate information and we identify fraud, details may be passed to credit reference and fraud prevention agencies.

Any other broker or lender to whom the information is passed during processing your application may use it in the same way

Who we may disclose your information to:
* A lender or lenders in accordance with your application.
* Another broker if we are not able to arrange finance for you.
* Other carefully selected product providers in the future with a view to them offering you products they feel may be of interest to you.
* FISA or other regulatory bodies to ensure that we are processing information correctly and complying with regulatory requirements.
* Other legal authorities if required by law.

Linked Records
* Information held about you by the Credit Reference Agencies may already be linked to records relating to one or more of your partners, including records held in previous or subsequent names. For this application you may be treated as financially linked and your application will be assessed with reference to any 'associated' records'
* You must be entitled to disclose information about any co-applicant and/or anyone else referred to by you, and authorise Unsecured Credit Company and/or any lender or broker that Unsecured Credit Company pass the information to, to search and/or record information at Credit Reference Agencies about each of you. An "association" will be created at the Credit Reference Agencies, which will link your financial records

Credit Reference Agencies
Credit reference agencies keep a wide range of information. This includes information from the electoral roll (sometimes known as the voters 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. The 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. Details of the voters roll may be held for much longer. Information about credit searches is kept for up to two years.

The names and addresses of the main credit reference agencies are shown below. Brokers and lenders may use one or more of these agencies.
Callcredit Plc Experian Limited Equifax Plc
Consumer Services Team
PO Box 491
Leeds
LS1 5XX Consumer Help Service
PO Box 8000
Nottingham
NG1 5GX Credit File Advice Service
PO Box 1140
Bradford
BD1 5US

Almost all lending companies will check the information supplied on loan or mortgage applications with data held by credit reference agencies. Every time a search is made it is recorded by the agency and disclosed to other organisations on any later searches. Lenders will use the information obtained in the credit reference search to help them assess the application and they may use the result of any search in a credit scoring system.

Credit Scoring
A credit scoring system is a system by which points are given for various factors like your age, your job or even for information obtained from a credit reference agency, such as how you have repaid previous or existing credit. Lenders use different methods of scoring depending upon their interpretation of the importance of different factors and the level of risk they are willing to accept. Declined applications based on this automated technique can be reviewed manually on request.

Fraud Prevention Agencies
Unsecured Credit Company and/or any lender that your application or enquiry is passed to may check your details with the credit reference agency or with other agencies to satisfy itself that all the details on the application are true, and that the application has really been made by you. Please ensure the information you give is true as lending companies will check with fraud prevention agencies and if you give false or inaccurate information, and the lender suspects fraud, it will record this.

Warning
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OT ANY OTHER DEBT SECURED ON IT. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

Call Recording Statement
All calls to UCC may be recorded for training and compliance.

Declaration
All the details on this Form are true and not misleading. You consent to Unsecured Credit Company, and any company that Unsecured Credit Company pass your details to, to use the information as described. You confirm that you have permission to provide details on any other person referred to by you and that Unsecured Credit Company may use their details as described.

Access to Your Data
You are able to see what information we hold about you. You can ask us for a copy at anytime. We will also tell you where the information was obtained. You will need to write and we may charge a small fee (£10 maximum).