Privacy Policy
KRA consultancy Limited is a controller and processor of data. The lawful basis on which we process your data is Consent. We never enter a contract with you. You can remove your consent at any time by contacting us by email, telephone or post. Please see our contact details at the end of this Privacy Notice’
What information we collect.
When you apply for, or enquire, about debt help we will collect information about you, such as your identity, address, employment status as well as other financial information. How we collect it will depend on how you communicate with us, mostly controlled by options you choose such as online, telephone or email.
If you apply, or enquire online you will be subject to some automated decision-making based on criteria such as your age, residential status and debt levels.
How we collect and use this information.
Information is collected with a view to offering you guidance regarding solutions that may be suitable for a situation like yours. We are required to confirm your identity and help to prevent fraud and money laundering. Recorded calls are retained to evidence that you were given appropriate information, monitor quality and for use in training.
Your information is stored electronically within our servers and case management systems. Some of your information is segregated to reduce risk, access is controlled, and our systems are backed up regularly to ensure integrity.
If you do not proceed your data will be deleted in accordance with our Record Keeping Policy.
Pacific Financial Solutions and The Debt Service
If we are unable to satisfy your enquiry, we do not share your data with any other company. We only share your information with other companies such as other debt solution providers if you choose to proceed and we will always discuss this with you before we do it.
We also access your information with credit reference agencies. Firstly, we obtain your credit report when we are processing your application. Information provided by the credit agencies may also contain information about people you are associated with or whom live at the same address as the one you have provided. Credit reference agencies obtain data from several sources they are listed below in “ Other Agencies”. We do not share data with these agencies but your creditors do and will supply information to them. On accessing your credit report we may see this data in order to satisfy your debt advice enquiry.
There are other outside agencies that collect information for the prevention of fraud. These agencies are listed at the end of this notice.
We are also required to share your information with our regulators or any government agency if they make the appropriate request or if we are required to do so by law.
How long do we keep hold of your information for?
How long we keep your information for depends on the basis on which it was provided. Generally, however, we will keep the information that is necessary to enable us to provide you with a service that you have requested for as long as it takes us to provide that service.
We will generally keep records of any transactions you enter into for a minimum of three months. This is so that we can respond to any complaints or disputes that arise in that period. Otherwise we will only keep the information where appropriate for legitimate business needs.
We will keep other information about you if it is necessary for us to do so to comply with the law, regulations, or where appropriate for legitimate business needs. We do not retain your data for marketing purposes.
If you wish to find out how long your information is held for with the third parties we have listed their contact details are provided at the end of this notice.
How can I access the information you hold about me?
You can see what information we hold about you by asking us for a copy at any time. We will also tell you where the information was obtained from. We do not charge for this service.
If you wish to see the information contained on a credit reference agency file you can do so by writing to the relevant agency. If your credit reference file contains information about other people with whom you have no financial connection or if it contains information, which is incorrect, you can ask for the entry to be corrected, removed, or have a note put on the file explaining why you think the information is wrong. The agency will not remove correct information.
The Information Commissioner provides a useful leaflet, which explains how to request changes to your credit reference file. The easy to read leaflet includes examples of letters and details of various actions you may take to amend a file.
Information is available at www.dataprotection.gov.uk
What are your rights?
Under the lawful basis of consent you have the following rights;
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- The right to remove your consent.
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- The right to amend or correct your data.
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- The right to access and obtain a copy of the data we hold about you.
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- The right to know who we share or have shared your data with.
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- The right to be forgotten, this means we can no longer process your data.
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- The right to have any automated decision carried out on our website to be reviewed by a member of staff.
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- The right to complain about the way in which we have handled your data.
If you wish to exercise any of these rights please see our contact details at the end of this Privacy Notice.
By revoking rights such as revoking your consent, that means that we will be unable to satisfy your enquiry. Once we have shared your data with your consent, and you then wish to revoke that consent, you will need to contact the relevant third party to revoke your consent with them. You will need to refer to their Privacy Notice and follow the advice they give.
We share data with third parties, your data will not be shared with all of the third parties listed at the end of this Privacy Notice. That is because some third parties do not provide the service you may require. If you are referred to a third party you will be given the name and the contact details of the third party before we will share your data with them. We only share your data with any third party if you consent for us to do so.
Your data may also be viewed by our external compliance service in order to review the case and the advice we have given for compliance and quality assurance purposes.
Other Agencies
Should you wish to obtain a copy of the personal data other agencies hold about you please write to:
Callcredit Plc,
Consumer Services Team,
PO Box 491,
Leeds,
LS1 5XX
Experian Limited,
Consumer Help Service,
PO Box 8000,
Nottingham,
NG1 5GX
Equifax Plc,
Credit File Advice Service,
PO Box 1140,
Bradford,
BD1 5US
Credit reference agencies keep a wide range of information. This includes information from the electoral roll (sometimes known as the voter’s roll) and records of most county court judgements and bankruptcies. They also retain information relating to previous and existing credit and a record of searches made against the file. Creditors share information through the agencies providing a history of how punctually your payments are being made or have been made. Credit information is usually held on file for 6 years once settled. Details of the electoral roll may be held for much longer. Information about credit searches is kept for 12 months.
CIFAS
Reports from CIFAS relating to fraud and fraud avoidance are also available to most lenders – these contain information indicating where a lender has notified fraud, or attempted fraud. The information might not directly relate to you, it might relate to someone who has tried to impersonate you. Data available to members of CIFAS may also be used to help make decisions on motor, household, credit, life and other insurance proposals for you and members of your household. CIFAS information is intended to warn lenders and act as a protection for innocent customers.
CML Repossession Register
The Council of Mortgage Lenders, Repossession Register is available through the main credit reference agencies. If you have had a property repossessed or have given it up voluntarily this will show on the register.
GAIN
A file may also show a “gone away” marker indicating that a member of the “Gone Away Information Network” has reported that they cannot trace a customer who is in arrears with payments. Alternatively, the marker may indicate a new address which the “gone away” has been traced to.
HUNTER
Files in this register contain detailed information on applications made and loans given. It is aimed at tracing fraudsters who use different combinations of information to obtain credit dishonestly. It checks, and counter checks information given on application forms.
If we use any of the above agencies, they will be able to confirm their contact addresses.
Cookies
Cookies help us to provide you with a good experience when you browse our website and allows us to improve our site. In agreement with the European Privacy and Electronic Communications Regulations we will regularly conduct an Audit of Cookies used on our website. The cookies we may use are:
How to prevent the use of cookies
If you want to prevent the use of cookies or restrict them whilst browsing websites, you can do this via the settings on your Internet browser.
For more information about managing cookies, please see http://www.aboutcookies.org/
Changes to this Notice
If our privacy notice changes in any way, we will place an updated version on this page. Regularly reviewing this page ensures that you are always aware of what information we collect, how we use it and under what circumstances, if any, we will share it with other parties. This Privacy Policy was last updated in May 2020.
How to Contact us
0161 974 6144