Terms and Conditions

We will perform a Credit Assessment based on your Personal Data, credit record, and additional information you have provided throughout the lifetime of the Agreement.

When you apply, we’ll perform credit and identity checks on you with credit reference agencies. When we carry out a search at the credit reference agencies, they will place a soft footprint on your credit file, this has no effect on your credit score, and other organisations are unable to see this.

We also perform searches with fraud prevention agencies to help validate your identity and reduce the risk of fraudulent borrowing.

When you open an Account by signing the Agreement, there will be a hard footprint, this footprint will be viewable by other organisations and may affect your ability to get credit elsewhere.

We will continue to exchange information about you with credit reference and fraud prevention agencies while you have a relationship with us. If you do not keep up with your minimum repayments, they will record the outstanding debt on your credit file and in turn supply this to other organisations. Payment records remain on your credit file for 6 years after they are closed, whether settled by you or defaulted.