We may monitor and/or record your telephone conversations with us to ensure consistent service levels (including colleague training). You have the right, on payment of a fee, to receive a copy of the information we hold about you if you apply to us in writing.
In considering your application, we will search your record at credit reference agencies who will supply us with information, including information from the Electoral Register. The agencies will record this search whether or not the application proceeds. We may use automated credit scoring methods to assess this application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies about you and those with whom you are linked financially, may be used by us and other companies if credit decisions are made about you, or other members of your household. Information held about you by the credit reference agencies may be linked to records relating to one or more of those with whom you are or have been financially linked or associated. For the purposes of the application you may be treated as financially linked or associated and your application will be assessed with reference to any ‘associated’ records.
By stating a financial association with another party, you are declaring that you are entitled to disclose information about your joint applicant and/or anyone else referred to by you and you authorise us to search, link, and/or record information at credit reference agencies about you and/or anyone else referred to by you. An ‘association’ between joint applicants and/or any individual identified as your financial partner, will be created and credit reference agencies will link your financial records. You and anyone else with whom you have a link should understand that each other’s financial information will be taken into account in all future applications by either or both of you. This link will continue until one of you successfully files a ‘disassociation’ at the credit reference agency/ies.
The credit reference agencies will add to your record details of our search and your application. We will also add to this record details of your account. If you do not repay in full and in time, we may tell the agencies who will record the outstanding debt.
Information which you provide or which we obtain through your dealings with us will be held on the Society’s computers and in other records. We may pass on such information as follows:
- To subsidiary and associated companies of the Society who may use it for marketing purposes as mentioned below. You can ask for a list of such companies.
- To anyone whom we transfer our rights and duties under our agreement with you.
- If we have a duty to do so or if the law allows us to do so.
- If you are not an existing customer for whom we already hold sufficient identification details, we will use electronic means to validate your identity.
We may undertake a search with a credit reference agency for the purposes of verifying your identity and the details submitted, in line with regulatory requirements.
We may use the Experian credit reference agency for our identity checks. Experian may check the details supplied against any database (public or otherwise) to which they have access. They may also use the details in the future to assist other companies for verification purposes. A record of the search will be retained, but it will not affect future credit.
You have the right to apply directly to Experian (at the address below) for details of information, which they hold about you - this is subject to payment of a fee. You should ensure that your letter includes:
- Your full name: title, forename, 2nd initial, surname (and maiden name if appropriate).
- Details of all addresses you have lived at over the last 6 years - including town, county, postcode and date you moved in.
- A cheque or postal order, payable to ‘Experian’ for the fee, currently £2.00.
- The date and your signature to authorise the Credit File request.
Consumer Help Services, Experian, PO Box 8000, Nottingham NG1 5GX. Website: www.experian.com
By proceeding with the application you are agreeing to a search being undertaken in this way.
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information.
We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:
- Checking details on application forms for credit and credit related or other facilities.
- Managing credit and credit related accounts or facilities.
- Recovering debt.
- Checking details on proposals and claims for all types of insurance.
- Checking details of job applicants and employees.
Please contact us on freephone 0500 225777 if you want to receive details of the relevant fraud prevention agencies.
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
You have the right on payment of a fee to receive a copy of the information we hold about you if you apply in writing to Customer Services, Leeds Building Society, 105 Albion Street, Leeds, LS1 5AS. We may monitor and/or record your telephone conversations with the Society to ensure consistent service levels (including colleague training).
Leeds Building Society Group Marketing Programme
We may use and share your customer records, including your contact details, details about the application and any of the services we provide to you, with:
- companies within Leeds Building Society Group and;
- companies which form part of its strategic partnerships.
You can ask us for a list of such companies.
This is so that we or they may contact you by mail, telephone, fax or email with Society news, and to inform you about our or their financial services including mortgages, savings and investments, life products, loans and credit cards, general insurance and financial planning services and of competitions and offers which may be of interest to you. By submitting your application you agree to being contacted as described unless you have ticked the box in the consent section of the application form.