Legal Privacy
Privacy Statement
Credit Reference and Fraud Prevention
At HRP Finance we arrange all loans and rates through other brokers (our agents) according to your personal circumstances and the credit scoring system. This means:
- We, or our agents will contact credit reference agencies to ask about you. They will then add details of your application and our search to their records, and any other organisations that check on you in the future will know you applied to us.
- We may get in touch with your employer/s or accountant to make sure you've given us accurate information
- We can share your information with other organisations, who may use it to make decisions about credit (and credit-related products such as insurance) applications which you or your family make in the future.
- We'll also check your information with fraud prevention agencies and, if it turns out to be false or unreliable, we may record this. Your record could be used in the future to help trace debtors, recover debt and prevent fraud or money-laundering.
- We, together with the credit reference agencies and the fraud prevention agencies, will also use the records for training, and for analysing statistics about credit, insurance and fraud.
- The fraud prevention agencies will also share your records with other organisations to help them make decisions about credit applications and insurance proposals and claims for you and your family, including motor, household, credit, life and other insurance.
You have a legal right to receive details of these credit reference and fraud prevention agencies. If you would like those details, please call us on 01962 842060.
Sharing information about you with other organisations
HRP Finance uses other brokers to secure the best loan or mortgage for you. We share information with them and they will use it as set out above.
You have a legal right to see any information we hold about you. If you would like to see your records, please write to HRP Finance, enclosing an administration fee of £10.00.
We may sometimes contact you to let you know about products and services from other companies that we believe might interest you.
We may also share your details with companies who do market research on our behalf.
You have a legal right to instruct us not to contact you or share your details with other companies for marketing purposes. You also have a legal right to instruct us not to telephone you for sales purposes. If you want to do so, please write to HRP Finance.
If you are not completely happy with our service or our loans
We are proud of the way we look after our customers and our team contacts a number of new customers each month to make sure they are happy with all aspects of our service. However, even in the best organisations things can go wrong and if you're unhappy for any reason we want to know. You can contact us by phone or in writing either by post or e-mail. Details of our complaints handling procedures can be obtained by writing or emailing HRP Finance. We will respond to your comments within 5 working days and endeavour to do all we can to address your concerns.
HRP Finance is a member of the Finance Industries Standards Association (FISA) and the Corporation of Finance Brokers and complies with the FISA Code of Practice.
Insurance Complaints that cannot be resolved by us or the insurers complaints department may be referred to The General Insurance Standards Council on 0845 601 2857 or the Financial Ombudsman Service on 0845 080 1800. Further details will be provided to you at the appropriate stage of the complaints process.
Please be assured that making a complaint will not affect your rights in law.
Phone calls
To make sure our staff maintain the high standards of service and courtesy you deserve from us, and for training purposes, we may sometimes monitor or record some of our phone conversations with you.
Please feel free to call us on 01962 842060 at any time to discuss any aspect of your loan or our service.
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