How we get personal information and why we have it
Most of the personal information we process is provided to us directly by you in order for us to provide you with our debt advice service, and if appropriate refer you to a debt solution provider.
We collect some or all of this information from you either via our online form or over the telephone. We use a Secured Sockets Layer protocol (SSL) to ensure that the personal information that you provide to us via the website is kept secure.
We may share your information with our panel of debt solution providers in order for us to assist you with entering into a recommended debt solution.
We also use the services of various credit reference agencies. This enables us to gain a better understanding of who your creditors are, balances owed and reference numbers. This may leave a ‘soft search’ on your credit file.
We may be legally obligated to share your information with our regulatory body, the police or a government agency.
We may share your information with third party service providers of IT, CRM and telephony systems. These services and systems will enable us to manage your case effectively and will allow us to communicate with you.
We may also use third party secure servers to store call recordings. These recordings form part of your personal data and we will take all steps necessary to ensure that any third party service provider adheres to the relevant laws in place to ensure the protection of your information.
Under the General Data Protection Regulation (GDPR), the lawful basis we rely on for processing your information is your consent. You are able to remove your consent at any time. You can do this by contacting us via email: firstname.lastname@example.org, or by telephone on 01254 377678.
The type of personal information we collect
In order for us to provide you with a good quality advice service, we require certain information from you such as your name, address, telephone number, email address, date of birth, occupation, gender, marital status, employment status, and occupancy status.
Furthermore, we will also require information relating to your finances and more specifically, details of your debts and creditors, income and expenditure, and information relating to your assets.
How we store your personal information
We use a variety of security measures to protect your data and we have adopted procedures and put safeguards in place to prevent unauthorised access to your information.
We use third party IT and CRM system providers to store your information. We take appropriate steps to ensure third party providers act within the applicable law to ensure your personal information is protected.
We also use third party secure servers to store call recordings. These recordings form part of your personal data and we will take all steps necessary to ensure that any third party service provider adheres to the relevant laws in place to ensure the protection of your information.
If you enter into a debt solution we assist you with arranging, we will destroy your information 6 months following the cessation (completion or failure) of your debt solution.
If you do not enter into a debt solution that we assist you with, then we will destroy your information 6 months following cessation of our services.
Your data protection rights
Under data protection law, you have rights including:
Your right of access – You have the right to ask us for copies of your personal information.
Your right to rectification – You have the right to ask us to rectify personal information you think is inaccurate. You also have the right to ask us to complete information you think is incomplete.
Your right to erasure – You have the right to ask us to erase your personal information in certain circumstances.
Your right to restriction of processing – You have the right to ask us to restrict the processing of your personal information in certain circumstances.
Your right to object to processing – You have the the right to object to the processing of your personal information in certain circumstances.
Your right to data portability – You have the right to ask that we transfer the personal information you gave us to another organisation, or to you, in certain circumstances.
You are not required to pay any charge for exercising your rights. If you make a request, we have one month to respond to you.
Please contact us at the details provided below if you wish to make a request.
Our contact details
How to complain
If you have any concerns about our use of your personal information, you can make a complaint to us at the contact details provided above.
You can also complain to the ICO if you are unhappy with how we have used your data.
The ICO’s address:
Information Commissioner’s Office
Helpline number: 0303 123 1113
ICO website: https://www.ico.org.uk