Privacy Policy

This privacy policy sets out how Credit Resource Solutions (Data Processor) uses and protects any information that you give Credit Resource Solutions.

Credit Resource Solutions is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified; you can be assured that it will only be used in accordance with this privacy statement.

Credit Resource Solutions may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 25th May 2018.

How we use Information we hold about you

This policy applies to information we hold about you. In this policy, ‘we’, ‘us’, and ‘our’ mean Credit Resource Solutions, registered number 04690879, registered office 3rd Floor West Bowling Mill, Dean Clough, Halifax, HX3 5AX. Credit Resource Solutions is authorised and regulated by the Financial Conduct Authority, FCA License Number: 626796 ‘You’ means the person the information relates to.

Credit Resource Solutions is a Data Processor for our Clients who are the Data Controllers.

This policy applies to information held about current and potential future customers, clients and suppliers. By ‘Information’ we mean personal and financial information about you we collect, use and store.

What information do we collect?

We collect, use and store information about you such as:

  • Your Name
  • Your contact details (Including your address, telephone numbers and email address)
  • Data of Birth
  • Financial Information including your income and expenditure, payment history, details of your account with us and your ability to repay and details of any defaults.
  • Call recordings.

 

We regularly check your credit file to ensure the information we hold on our systems is accurate and up to date. This is known as a ‘soft footprint’ which does not affect your credit score.

We may collect information regarding your mental and physical health where it has or may have an impact on your ability to repay.

We may also collect some limited information, including publicly accessible information such as media reports, about any current criminal convictions you have if we have reason to believe that you may be in prison. We will use this for the purposes of updating the information we hold about you and managing your account.

We may also collect publicly accessible information about you, for example through a Google search, where we have been unable to contact you using the contact details that we hold for you.

We require information to understand your needs and provide you with a better service, and in particular for the following reasons:

  • Internal record keeping.
  • We may use the information to improve our products and services.

 

 

Where do we get your information from?

Information you give us

  • You may provide information via telephone, webchat, email or post.
  • By visiting our website and completing forms on our website.
  • Call Recordings, we may monitor/record calls for training and quality purposes and to resolve issues.

Information we collect about you

  • Google search
  • News & Media Reports

Information we obtain from the account owner (Our clients pass your information onto CRS to collect outstanding balances on their behalf)

  • Name
  • Contact details
  • Date of Birth
  • Information about your account including: outstanding balances, default information.

Information from third parties

  • Credit Reference Agencies (Call Credit & Equifax)
  • Debt Management Companies authorised to act on your behalf.
  • Law firms who we instruct to act on our behalf to recover amounts that you owe and to enforce any judgements that we may have against you.

 

Why do we need your information?

 

We require your information in order to carry out debt collection activities on behalf of our clients. This includes:

  • Locating you, checking your identity using the information we hold.
  • Managing your account
  • Setting up affordable payment arrangements
  • Processing payments made by you or third parties
  • Taking legal action to enforce any judgment we obtain via our third party solicitor.

 

How long will we keep your information?

We will keep your information for as long as is needed for the purposes set out above or as required by any laws that apply. We will keep your information for no longer than 7 years from the date your information is passed to CRS. The reason for retaining your information for this length of time is to:

  • Ensure we can deal with any queries/complaints you may have
  • Any Requests for information from our client or customers.
  • Comply with our financial obligations

 

Security
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure personal information.

Credit Resource Solutions are ISO2700:2013  accredited which is an international management standard that provides a proven framework for managing information security.

How to get a copy of your personal information

You can contact Credit Resource Solutions if you have any queries regarding your information.

Credit Resource Solutions
3rd Floor West
Bowling Mill
Dean Clough
Halifax
HX3 5AX

Telephone: 01422 324 510

Email: info@creditresourcesolutions.co.uk

How to make a complaint

You have the right to lodge a complaint with the Information Commissioners Office (ICO) should you feel a company is in violation of the Data Protection Laws. Contact details can be found on the ICO website should you wish to make a complaint. www.ico.org.uk

How we use cookies

A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

 

Controlling your personal information

We will not sell, distribute or lease your personal information to third parties unless we are required by law to do so.

If you believe that any information we are holding is incorrect or incomplete, please contact us as soon as possible, using the contact details above. We will promptly correct any information found to be incorrect.