Privacy Policy

Who We Are

Talk Loans is a trading style of Butler Westbury Ltd which is authorised and registered with the Financial Conduct Authority as a credit broker – Firm reference 625156. We are registered in England and Wales, Company No 9035270, and our registered office is 3 Cricket Close, Drayton, Norwich Norfolk, NR8 6YA.

We control any information which you provide on this website and we are registered as a Data Controller with the Information Commissioner’s Office under reference number ZA090336.

By filling in an application form on this website you will be deemed as having read and accepted the Privacy Policy and are consenting to having your information processed by us and our partners in line with this policy. As such, please do ensure that you carefully read and understand this document and should you not want to be bound by the terms set out, stop using the site and do not submit any personal information.

If you would like further information or require any clarification on anything which is detailed within our Privacy Policy, please email us at dataprotection@talkloans.co.uk or call us on 01603 391127.

Our Commitment To You About Your Personal Information

We will collect and process your personal data based on our legitimate commercial interests to find you a loan once you have made an application with us (either directly to us, or to one of our partners where we are named as a potential processor of your data). If you wish to ask about how we process your personal data you can contact us via email at dataprotection@talkloans.co.uk  or call us on 01603 391127.

We will use your personal information in different ways depending on how you interact with our website, call centre and partners. At all times we will treat all your personal information as private and confidential (even when you are no longer a client) and your data will not be passed 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.

We are a loan brokerage. We will use your data to try to get a loan from one of our panel of lenders. At all times, your data will only be used for the purposes of obtaining finance or financial product

We are only able to work with applicants and guarantors who are 18 years old or older and who live in the United Kingdom. Nothing in this Privacy Policy is aimed at Children or people living outside the UK.

Collecting, Verifying And Storing Your Personal Information

Talk Loans – Online

We will either have received your data and the data relating to your application / guarantor 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 specific permission.

Talk Loans – Call Centre

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

We may 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 – where you have given us specific permission -for future remarketing.

Verifying information and storing details

We use a variety of systems and 3rd parties to securely store and verify application information in line with our Data Protection Policy. These parties are used to help us process you application as speedily as possible. None of these companies will contact you directly or use your details in any way other than as described to assist with this application:

Your data is always stored securely and never taken outside of the EU or released to third parties without suitable security standards. We will potentially retain your personal details for up to 6 years after initially receiving them. In some cases we will keep some data for much less time (such as copies of documents) and / or where it is no longer relevant for us to retain them.

You can find out more about which companies we use to process your details at any time by contacting us via email at dataprotection@talkloans.co.uk  or call us on 01603 391127.

Sharing Your Personal Information With Third Party Providers

Talk Loans Self Serv – Online

Your personal details will not be automatically shared with third party providers unless you specifically opt in to that part of the application service. If you do, your application will be shared at that time with third 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.

The third parties may contact you by email, phone or text message to attempt to finalise any offer they can make.

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

The lenders and partners we deal with online are:

  • Harvey & Thompson
  • Satsuma Loans
  • Wageday Advance
  • Digital Oyster (operating as Loans 2 Go)
  • Leadtree Global – trading as Piggy Bank
  • RS Datatech

Talk Loans – Guarantor

Once an application is started online we will contact the applicant and the guarantor for any additional details required. If we believe there is a potential lender option, we will then pass the completed application to one or more guarantor lenders to try to obtain a loan. Those lenders may complete credit searches, suitability assessments and anti-fraud checks on both the applicant and the guarantor.

The guarantor lenders we deal with are;

  • Amigo Loans
  • Bamboo Loans
  • Buddy Loans
  • George Banco
  • TFS Loans
  • Trust Two
  • UK Credit Loans
  • 1Plus1

The lenders may attempt to contact both the applicant and the guarantor by phone, email, text or letter to finalise the application and any subsequent offer they can make. They will also keep us up to date with the progress of the application including sharing with us communications sent out, underwriting requirements (such as supporting documents needed), general progress updates and application specific information regarding either the applicant or the guarantor to allow us to assist with the progress of the application.

Updating Our Partners

We also share non personally identifiable information with our partners regarding the progress of applications. This may be an introducing partner or broker who passed us your application or:

  • Google Analytics
  • Google Adwords
  • Bing Adverts
  • Yahoo Gemini
Your Rights

You have certain rights under the data protection act and from 25th May 2018, the General Data Protection Regulations (GDPR).

These rights include (but are not limited to):

  • The right to be informed
    • This privacy policy provides the basic information regarding who we are, why we need your information and what we will be doing with it.
  • The right of access
    • We have a specific policy for individuals wishing to make a Subject Access Request to find out what details we hold on file and who we have shared those details with.
  • The right of rectification
    • We will happily update and amend application information throughout our processes. If however you subsequently wish us to rectify information you believe we have on file incorrectly please contact us.
  • The right to restrict processing
    • If you have given permission for us to process your data, but no longer wish us to do so, you can request that we stop processing. If we are processing your application with one or more lenders we will also request that they stop processing.
  • The right to object to processing
    • If you wish to object to us processing your data, please contact us immediately using the details below.
  • The Right of Erasure
    • In some circumstances, if you have provided your information but no longer want us to store it you can request that we erasure your data. If you wish to make a request please contact us.
  • Rights in relation to automated decision making and profiling.
  • We do not use automated decision making as part of our services,
  • Right to data portability
    • We do not use automated processing as part of our services

Should you wish to talk to us about any of these rights, please email dataprotection@talkloans.co.uk  or call us on 01603 391127.

If you are unsatisfied with a response from us relating to one of your rights, you may be able to make a complaint to the Information Commissioners Office. We can provide you with these details upon request.

Credit Searches, Identify Checks and Anti Fraud checks

We 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 any 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 about Credit Reference Agencies

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.

Remarketing To You In The Future

Where you have given us explicit permission to do so we may contact you in the future with relevant offers and updates. It is your decision as to whether you wish 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. There is no negative impact on your application if you choose not to opt in to future marketing.

If you have chosen to ‘opt in’ and subsequently no longer wish to receive marketing communications from us you can use the unsubscribe option in each communication we send, email dataprotection@talkloans.co.uk  or call us on 01603 391127.

We do not sell or share your data with 3rd parties for future remarketing purposes.

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.

This Is Version 2.0 of our Privacy policy and replaced all previous versions as from 15/05/2018.

}

Opening Hours

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

v

Phone Number

01603 391104

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

Email

contact@talkloans.co.uk

We aim to reply to all emails within 24 hours.

Address

Talk Loans
Kiln House
Pottergate
Norwich
NR2 1DX

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 49.7%. Interest rate of 41% per annum. Representative APR 49.7% (fixed).

Personal Loans Representative Example: Borrow £300 over 6 months. Monthly repayment of £92.43. Total repayable is £554.58. Interest payable is £254.58. Fixed APR of 883.6%. Interest rate of 169.7% per annum. Representative APR 883.6% (fixed).

Talk Loans is a Broker, not a Lender. To operate this service we receive commissions from the lender, broker or 3rd party we refer you to. To apply for a loan though our website you must be a UK resident.

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: 146 Drayton High Road, Drayton, Norwich, England, NR8 6AN

Privacy Policy | Terms of Use | Complaints | Cookie Policy | Sitemap

SSL Certificate