This privacy policy is for visitors to our website and our customers.

We use traffic logging cookies to analyse data about web-page traffic. We use this information solely for statistical analysis purposes. Most web browsers automatically accept cookies, but if you so prefer you can usually modify a browser’s settings to decline cookies.

In assessing a secured loan application for credit enquiries will be made about you. This will include searching records held by Credit Reference Agencies, specifically checking details with Fraud Prevention Agencies.

In the event that you give us false or inaccurate information and we suspect fraud we will record this. The Credit Reference and Fraud Prevention Agencies will keep details of any searches.


Please note that searches at credit reference agencies will be shown in any other searches which are made in connection with applications made by you and/or other members of your household. More importantly, the disclosure of multiple searches could adversely affect your credit profile and consequently make credit harder for you to obtain.

Information held about you by a credit reference agency may already be linked to records relating to another person, for example, your spouse. For the purpose of your loan application you will be treated as financially linked. Your loan application will be assessed with reference to all linked records.

If you have confirmed you are linked financially with another person, you are declaring that you are entitled to (a) disclose information about that person and/or anyone else referred to by you and (b) that you authorise us and any lender involved in the application to search, link and/or record information at credit reference agencies about you and /or anyone else referred to by you.

The names and addresses of the main credit reference agencies are shown in the ‘credit references agencies ‘section. We will use one or more of these agencies. Information about which credit reference agency is used will be made freely available.

Lending Companies

All lending companies have their own individual privacy policies and customers should refer to these in respect of how they will use personal data. Lenders to whom the application is passed will make wider use of the information than a broker. If you have received any lender documents they should include a statement telling you what they will do with the information. Alternatively, it should tell you where to look to find out what use they will make of it.

Both ourselves and almost all lending companies will check the information supplied on loan or mortgage applications with data held by credit reference agencies. The lender may search on more than one occasion. Every time a search is made it is recorded by the agency and disclosed to other organisations on any later searches.

Lenders use the information obtained in the credit reference searches to help them assess the application. Accordingly, they use the result of any search in a credit scoring system.

The lender may check your details with the credit reference agency or with other agencies to satisfy itself that all the details on the application are true. This  for the purpose of checking the application has been really made by you. In particular, if it suspects information is false or inaccurate it may report it to a fraud prevention agency.

Loan Refusals

Sometimes a lender may not wish to lend. This may be for a number of reasons. The lender may think you cannot afford the loan. If it is a secured loan, your property may not be of sufficient value. A lender does not have to tell you exactly why you have been refused a loan. However, you can ask them for the name and address of any credit reference agency used and they will supply this information free of charge. Nobody has a right to receive a loan. Loans are always granted at the discretion of the lending company.

Credit Reference Agencies

(The agencies do not keep “blacklists” nor do they give any opinion about whether or not credit should be granted. They do have a duty to keep information up to date and accurate).

The 2 main credit reference agencies are:

Experian Limited
Consumer Help Service,
PO Box 8000,

Equifax Plc
Credit File Advice Service,
PO Box 1140,

All lending companies use one or more of these agencies. At the same time Credit reference agencies keep a wide range of information. This includes information from the electoral roll (sometimes known as the voters 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. The lenders share information through the agencies providing a history of how punctually payments are being made or have been made. Loan information is usually held on file for 6 years. Details of the voters roll may be held for much longer. Information about credit searches is kept for up to two years.

Access to your data

Should you wish to obtain a copy of the personal data we hold on you or ask us any questions about our privacy practices please write to:

The Compliance Department,
Exclusive Finance,
Exclusive Group,
First Floor, 2 Haig Court,
Haig Road,
Parkgate Industrial Estate,
WA16 8XZ.

Please enclose your payment of £10 for our administration costs. As soon as we are satisfied as to your identity we will send you, within 40 days, a copy of all the data we hold concerning you. Likewise, please contact us at the same address if you have any reason to believe the data we hold on you is inaccurate.

Call Recording

Calls to our offices may be recorded; this is for our protection and yours. Calls such as these are used for training and monitoring purposes and consequently may used in the unlikely event of a complaint. Our complaint policy is here.

This privacy policy applies to all personal information we process about you. We are not responsible for the content or privacy practices of other apps or external sites you may have opened in your browser.