Privacy Policy

Our commitment to you about your personal information

Talk Loans will use your personal information in different ways depending on how you interact with our website, call centre and partners. At all times  Talk Loans will treat all your personal information as private and confidential (even when you are no longer a client) and will not give it to anyone else except in accordance with this Privacy Policy or if we are required to do so by law or asked to do so by a court or regulator.

Collecting and storing your personal information

Talk Loans – Self Serv – Online

We will either have received your data from a third party introducer, or you will have input your information directly onto our website. In either case, your application details will be held on file for the purposes of processing the application, for transmission to one or more partners – with your permission, for analytical purposes and for future remarketing – where you have given us permission.

Talk Loans – Guarantor Loans – Online

We will collect the data relating to you and your guarantor on this application and the details will be held on file for the purposes of processing the application, for transmission to one or more partners, for analytical purposes and for future remarketing – where you have given us permission.

Talk Loans Call Centre

If you call us or we call you by telephone the call may be recorded for monitoring and staff training purposes. Recordings will only be used under proper and careful supervision.

We will collect additional data relating to you and any guarantor on this application and the details will be held on file for the purposes of processing the application, for transmission to one or more partners, for analytical purposes and for future remarketing – where you have given us permission.

Passing your personal information on to 3rd parties

Talk Loans Self Serv Online

Your personal details will not be automatically shared with third parties unless you specifically opt in to that service. If you do, your application will be shared with 3rd party credit providers who we think may be able to provide you with finance. Those third parties may conduct credit searches and other checks including fraud checks before making an offer and may not make an offer at all once those searches have been completed.

Those partners will contact you by email, phone or text message to attempt to finalise any offer they can make.

Some options shown to you are for providers who will not receive any data from us until you select that option. At that time, you may be redirected to that providers website or application form. That provider will then take your application and request permission for any relevant checks and searches.

Talk Loans – Guarantor

Once you have completed an application online we will contact you and your guarantor for any additional details required. We will then pass your completed application to one or more guarantor lenders to obtain a loan for you. Those lenders will complete credit searches and other antifraud checks on both you and your guarantor.

The lenders may attempt to contact you and your guarantor by phone, email or text to finalise any offer they can make.

Remarketing to you in the future

We will contact you in the future with relevant offers and updates where you have given us explicit permission to do so. You can choose to ‘opt in’ to marketing by email or SMS or both. If you do not choose to ‘opt in’ we will not remarket to you.

If you have chosen to ‘opt in’ and no longer wish to received communications from us you can use the unsubscribe option in each communication we send, email contact@talkloans.co.uk or call us on 01603 391104.

We do not sell your data to 3rd parties for future remarketing purposes.

Credit searches and anti fraud checks

Talk Loans do not complete credit searches but do use other systems to check the accuracy of data provided during an application.. However, when you apply to us one or more of our partners may check the following records about you and others:

  • on their own databases;
  • those at credit reference agencies (CRAs). When CRAs receive a search request from the lender(s) they will place a search footprint on your credit file that may be seen by other lenders. CRAs supply both public (including the electoral register) and shared credit and fraud prevention information.
  • those at fraud prevention agencies (FPAs).
    • This may include income verification and ID verification

We and our partners may make checks such as; assessing your application for credit and verifying identities to prevent and detect crime and money laundering

  1. If false or inaccurate information is provided, including in relation to a person’s identity, and fraud is identified, details about this information, including customer Personal Data, may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. The provider 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 accounts and other facilities; managing credit and credit-related accounts or other facilities; recovering debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees.
  2. The lender and other organisations may access and use from other countries the information recorded by fraud prevention agencies. For further details of the relevant fraud prevention agencies please contact us as described at the end of this Privacy Policy.
  3. Information held about you by credit reference agencies may already be linked to third parties (such as a spouse or partner). The lenders may consider any associated records as part of their decision making process.

How to find out more

You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They may charge you a small statutory fee.

CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870   0601414

Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583  or log on to www.equifax.co.uk

Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call    0844 481 8000 or log on to www.experian.co.uk.

Notification of changes

We may change our privacy policy from time to time.  This Website will always show the current version but we will only use information in accordance with the version in use when the information was collected.

If we wish to use personally identifiable information about you that you have given to us in a way that is different to that stated at the time we collected it, we will email you to ask your permission if we have an email address for you unless you have opted out of us communicating with you by email.

We will not use your personal information in any way unless you have agreed that we can use it in that way.

If we make any material changes in our privacy practices that do not affect personally identifiable information held by us we will post a notice on our web site notifying users of the change.

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Opening Hours

Mon - Thurs: 9:00 to 19:30
Fri: 9:00 to 17:30
Sat: 9:00 to 12:00
Sun: Closed

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Phone Number

01603 391104

Please call us during our opening hours for the best service.

Address

Talk Loans
61 – 63 Riverside Road
Norwich
NR1 1SR

Email

contact@talkloans.co.uk

We aim to reply to all emails within 24 hours.

WARNING: LATE REPAYMENT CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP GO TO MONEYADVICESERVICE.ORG.UK

Guarantor Loans Representative Example: Borrow £4,000 over 36 months. Monthly repayment of £194.78. Total repayable is £7012.08. Interest payable is £3012.08. Fixed APR of 47.9%. Interest rate of 41%.

Personal Loans Representative Example: Borrow £300 over 6 months. Monthly repayment of £79.72. Total repayable is £478.32. Interest payable is £178.32. Fixed APR of 446.9%. Interest rate of 118.9%.

Talk Loans is a Broker, not a Lender. To operate this service we receive commissions from the lender we refer you to.

Talk Loans is a trading style of Butler Westbury Limited Registered in England No 9035270. Authorised and regulated by the Financial Conduct Authority Reference No. 625156. Registered with the Information Commissioner’s Office ZA090336. Registered office address: 3 Cricket Close, Drayton, Norwich, Norfolk, NR8 6YA

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