Your Home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Think carefully before securing other debts against your home.

INFORMATION AND DATA PROTECTION ACT

The information you provide will be retained on our system and used by us for the purposes of assessing your application.

It will be submitted to a FISA lender who will use it for the same purpose. In considering your application both we and the lenders will search your record at one or more Credit Reference Agency.

They will add to your record details of our search and your application and this will be seen by other organisations that make searches. Information held about you by the Credit Reference Agencies may already be linked to records relating to one or more of your partners. For the purposes of this application you may be treated as financially linked and your application will be assessed with reference to any "associated" records. If you are a joint applicant or if you have told us of some other financial association with another person you must be sure that you are entitled to;

  - disclose information about your joint applicant and anyone referred to by you

  - authorise us to search, link or record information at Credit Reference Agencies about you and anyone referred by you

An "association" between joint applicants and between you and anyone you tell us is your financial partner will be created at credit reference agencies. This will link your financial records, each of which will be taken into account in all future applications by either or both of you. This will continue until one of you successfully files a disassociation at the Credit Reference Agencies. We may use a credit scoring or other automated decision making system when assessing your application. It is important you give us accurate information. We will check your details with fraud prevention agencies and if you provide false or inaccurate information and fraud is suspected, this will be recorded. If we are unable to accept your application we may pass this on to other members of our group or selected third parties who may also search your records at Credit Reference Agencies. A record of these searches will also be kept and be seen by other organisations that make searches. The other group members or selected third parties to whom we pass your application may also use automated systems and carry out the checks referred to above for the purposes set out below.

You records will be shared with other organisations and used by us and them to;

   - Help make decisions about credit and other credit related services for you and members of your household and

   - Trace debtors, recover debt, prevent money laundering and fraud and for statistical analysis about credit, insurance and fraud Fraud Prevention Agency records will also be shared with other organisations to help make decisions on motor, household, credit, life insurance and other insurance proposals and insurance claims, for you and other members of your household.  Please telephone freephone 0800 375720 if you would like to have details of those Credit Reference and Fraud Prevention agencies from whom we obtain and to whom we pass information about you.  You have the right to this information.

Data Protection information disclosure effective 1st January 2007 (Data Protection Act 1998).

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. The Lender and other organisations may also access and use this information to prevent fraud and money laundering, for example, when -

- checking details on applications 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 the Lender if you want to receive details of the relevant fraud prevention agencies.

The Lender and any other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Complaints - If required ask for details of our complaints handling procedure under the Financial Ombudsman Service.