Debt Consolidation Loans - Good and bad credit specialists

Terms and Conditions

As part of the application process it is necessary for us to receive your permission to retain your personal details on our computer files and to carry out a credit search. Any information you provide will be treated in the strictest confidence. Please read the following declaration and click 'I agree' to proceed. Agreement implies that both permission is given to retain your personal details on our computer files and to carry out a credit search and that you are in agreement with the customer declaration below. If you do not click ‘I agree’ you will be unable to proceed with your application.

I/we declare that the statements and particulars in this application form are true and accurate to the best of my/our knowledge and belief and shall form part of any subsequent agreement. I/we agree that such information may be relied upon by all third parties to whom Click Financial Limited and its subsidiaries (Click) is authorised to disclose the same as if such third parties had received the information directly.

Customer Declaration

I/We confirm that I/we have the consent of any third party whose details I/we may disclose to Click and the third parties referred to in the paragraph below to disclose such details and to authorise Click to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent loan which may be granted to me/us.

I/We agree that Click may search the files of a licensed credit reference agency or agencies, who will keep a record of the search, to confirm my/our particulars and for the purpose of credit assessment.

In order to obtain the most appropriate service, I/We agree that Click may provide details of this application to other Credit Broker\Lenders who will also search the files of a licensed credit reference agency or agencies for the same purpose. A record will be kept of such searches which may be used by other lenders in assessing future applications for finance by me/us and members of my/our household and for occasional debt tracing and fraud prevention.

Fees

I/We understand that as a result of Click passing the information to another Credit Broker\Lender NO FEES will be payable but Click may receive introductory commission. The commission from Credit Brokers\Lenders for passing such information will vary significantly depending on the type of loan (mortgage, secured loan, unsecured loan etc) and in most instances no commission will be received unless a loan is taken out. Typically, where commission is received, therefore, this can vary from an average 1% of the Loan value (usually for a mortgage) to an average 5% of the Loan value (usually a Secured Loan)

I/We understand that any selected insurance cover may vary from lender to lender and I/we will receive the appropriate brochure together with the formal offer. Telephone calls may, from time to time, be monitored for training or security purposes.

I/we agree that Click and any lender resulting from this application (the "Lender") shall be entitled to use and process, by any medium, the information given by me/us in this application form and any other information about me/us which may be acquired during the lifetime of any loan ("the Data") to provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any loan granted to me/us by the Lender, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration.

I/we understand that if false or inaccurate information is given by me/us, Click and /or the Lender will record such information and if fraud is suspected, will disclose the Data to credit reference or fraud prevention agencies when requested by them for consideration of any future applications/proposals for finance and finance related services, motor, household, credit, life and other insurance and any insurance claims, made by me/us or members of my/our household or for fraud prevention and/or tracing debtors (the agencies may also disclose the Data to other organisations for these purposes)

I/we understand that if false or inaccurate information is given by me/us, Click will disclose the Data to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our application and administering and enforcing any subsequent loan whether during the course of my/our application or during the lifetime of any loan granted pursuant to such application; (iv)

I/we understand that if false or inaccurate information is given by me/us, Click will disclose the Data to any third party who replaces or who may replace my/our Lender.

Prevention Of Money Laundering

The Lender and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity.

Right Of Subject Access

Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee.