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Privacy Policy

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In assessing a secured loan application for credit, enquiries will be made about you including searching records held by Credit Reference Agencies and by checking details with Fraud Prevention Agencies. If you give us false or inaccurate information and we suspect fraud we will record this. The Credit Reference and Fraud Prevention Agencies will keep details of any searches.

NOTE – CREDIT REFERENCE SEARCHES AND FINANCIAL LINKS

Please note that searches at credit reference agencies will be shown in any other searches which are made in connection with applications made by you and/or other members of your household. The disclosure of multiple searches may adversely affect your credit profile and may make credit harder for you to obtain.

Information held about you by a credit reference agency may already be linked to records relating to another person, for example your spouse, and for the purpose of your loan application you will be treated as financially linked. Your loan application will be assessed with reference to all linked records.

If you have confirmed you are linked financially with another person, you are declaring that you are entitled to (a) disclose information about that person and/or anyone else referred to by you and (b) that you authorise us and any lender involved in the application to search, link and/or record information at credit reference agencies about you and /or anyone else referred to by you.

The names and addresses of the main credit reference agencies are shown in the ‘credit references agencies ‘section. We may use one or more of these agencies. Information about which credit reference agency was used will be made freely available.

Lending Companies

All lending companies have their own individual privacy policies and customers should refer to these in respect of how they will use personal data. Lenders to whom the application is passed will make wider use of the information than a broker. If you have received any lender documents , they should include a statement telling you what they will do with the information , or telling you where to look to find out what use they will make of it.

Both ourselves and almost all lending companies will check the information supplied on loan or mortgage applications with data held by credit reference agencies. The lender may search on more than one occasion. 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 searches to help them assess the application and they may use the result of any search in a credit scoring system.

The lender 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 been really made by you. If it suspects information is false or inaccurate it may report it to a fraud prevention agency.

Sometimes a lender may not wish to lend. This may be for a number of reasons. The lender may think you cannot afford the loan. If it is a secured loan, your property may not be of sufficient value. A lender does not have to tell you exactly why you have been refused a loan but you can ask them for the name and address of any credit reference agency used and they will supply this information free of charge.
Nobody has a right to receive a loan. Loans are always granted at the discretion of the lending company.

Credit Reference Agencies

(The agencies do not keep “blacklists” nor do they give any opinion about whether or not credit should be granted. They do have a duty to keep information up to date and accurate).

The 2 main credit reference agencies are:

Experian Limited,
Consumer Help Service,
PO Box 8000,
Nottingham,
NG1 5GX
Equifax Plc,
Credit File Advice Service,
PO Box 1140,
Bradford,
BD1 5US

All lending companies use one or more of these 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.

Access to your data.

Should you wish to obtain a copy of the personal data we hold on you please write to the Compliance Department, Exclusive Finance, Exclusive Group, First Floor, 2 Haig Court, Haig Road, Parkgate Industrial Estate, Knutsford Cheshire WA16 8XZ enclosing your payment of £10 for our administration costs. As soon as we are satisfied as to your identity we will send you, within 40 days, a copy of all the data we hold concerning you. Please contact us at the same address if you have any reason to believe the data we hold on you is inaccurate.

Call Recording

Calls to our offices may be recorded; this is for our protection and yours. Calls are used for training and monitoring purposes and may be used in the unlikely event of a complaint.

Contact Us

If you have any questions about our Data Protection Policy, the Terms of Use or any other aspect of this website please contact us at:

Exclusive Finance
Exclusive Group
First Floor, 2 Haig Court,
Haig Road,
Parkgate Industrial Estate,
Knutsford
Cheshire
WA16 8XZ

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  5. You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 1998. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone
 

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Exclusive Loans is a trading name of Exclusive Finance (UK) ltd which is authorised and regulated by the Financial Conduct Authority. Our Firm Registration Number is 737347. You can search for our firm on the Financial Services Register https://register.fca.org.uk

Registered address: First Floor, 2 Haig Court Haig Road, Parkgate Industrial Estate, Knutsford, Cheshire, WA16 8XZ. Registered in England and Wales.
Company Registration No. 6387638.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers and brokers based in the UK.

A fee will be charged for our service of up to 15% of the loan amount, you will be given the option to add this to the loan. All fees applicable will be disclosed upon the initial conversation and detailed on the loan illustration provided (ESIS).