Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
BadCreditSite (company number SC 535782) is the data controller concerning processing the information that is collated and provided by you as an individual. Our address is Registered Office; 272 Bath Street, Glasgow, G24JR. BadCreditSite is registered with the Information Commissioner’s Office (‘ICO) and comply with the principles under the Data Protection Act 2018 (registration number ZA 185395).
The following data can be collected and processed by using our website:
Information that is collected by us, PJG Financial Limited, will be sent to our partners and be processed in the following ways:
If you do not wish to receive marketing communications from our partners at Choose Wisely Limited you may send us an email to ‘email@example.com’ or by writing to PJG Financial Limited, 272 Bath Street, Glasgow, G24JR.
You can also contact Choose Wisely via email directly at: firstname.lastname@example.org You will be able to access the records Choose Wisely hold about, Badcreditsite does not store data. They will not charge a fee to provide this information, unless the request is manifestly unfounded or excessive. If you require further copies a fee may apply. To request access to your information please contact email@example.com.
Limited. Their policy can be found here https://www.choosewisely.co.uk/pages/privacy
We may share your information with third parties to process, including the following reasons:
You will be able to access the records Choose Wisely hold about, Badcreditsite does not store data. They will not charge a fee to provide this information, unless the request is manifestly unfounded or excessive. If you require further copies a fee may apply. To request access to your information please contact: firstname.lastname@example.org.
Upon application to us, Choose Wisely may use both fraud prevention agencies and credit reference agencies to help us make relevant decisions.
By submitting our Website’s application form, you confirm that all information provided is accurate and complete. Completing the application grants Our Partners to check the following records: our own credit reference agencies (‘CRAs’) – CRAs provide us with shared credit information, fraud prevention information and public information (including electoral register) and will leave a footprint on your credit file fraud prevention agencies (‘FPAs’) – FPAs assist in verifying customers identities to prevent fraud and crime, including money laundering. This information will ascertain whether to continue with your credit or any future credit that may be available.
As we must comply with responsible lending, FPAs and CRAs assist us in doing so. If you notify us that you have a spouse or financial associate, your customer records will be associated and linked together. This will ensure that the agreement has been made from both applicants to discuss and disclose information. CRAs will also be connected and will remain until one or both applications inform and apply for a disassociation to end the link.
False or inaccurate information provided by a consumer will be brought to the attention of the FPAs and other fraud prevention agencies. BadCreditSite, Our Partners and third parties may also access and use your information to prevent fraud and money laundering for the following: managing credit and credit related accounts or facilities recovering debt confirm details on proposals and claims for types of insurance check details of job applicants and employees information may be accessed and used from other countries outside the UK recorded and reported by fraud prevention agencies.
An internet ‘cookie’ is a small electronic file that gathers data when an individual visits a website. While visiting our website, cookies help identify your activity and allows BadCreditSite to analyse the traffic on our site and customer behaviour. Identifying such conduct assists us to improve our web pages and as a measuring tool to assess visitors individual profiles. Ultimately, this enables us to offer our customers a better service as the information assists to see how useful our website is and to highlight improvements. Cookies also assist Our Partners in understanding marketing and traffic patterns.
There are several types of cookies, and they each have their purpose in collecting data. Our website employs; session cookies, persistent cookies and first-party cookies. To make it clear to our consumer what information we store, here is a breakdown of the type of cookies purposes.
Most web browsers will automatically accept cookies however you usually can amend your browser settings which will prevent automatic acceptance. Please be aware that if you do not accept cookies, BadCreditSite cannot guarantee that our website will perform as well. It’s important to note that deleting our cookies or disabling future cookies means you may not be able to access specific features on our Website.
NowLoan will never call you and will never charge you any fees. Never pay upfront fees for a loan or send money in return for a loan.