In assessing a secured loan application for credit, enquiries will be made about you including searching records held by Credit Reference Agencies and by checking details with Fraud Prevention Agencies. If 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.
Information held about you and by the Credit Reference Agencies may already be linked to records relating to one or more of your financial partners. For the purpose of this application you may be treated as financially linked and your application will be assessed with reference to any 'associated' records.
If you are a joint applicant or you have told us of some other financial association with another person, you must be sure that you are entitled to disclose information about your joint applicant or anyone referred to by you. An association between joint applicants and between you and anyone else you tell us is your financial partner will be created at Credit References Agencies and shall remain until a successful disassociation has been registered with the Credit Reference Agency.
Your consent is required for us to disclose details of the application and how you conduct your account (including any default) to Credit Reference & Fraud Prevention Agencies. This information may be used to help us and other organisations:
(a) assess the financial risks of dealing with you and other
members of your household
(b) to help make decisions on motor, household, credit, life and other insurance proposals and insurance claims
(c) to administer agreements & insurance policies with you
(d) to help prevent or detect fraud, prevent money laundering or other claims, recover debts and trace debtors and
(e) for statistical analysis about credit, insurance and fraud.
If you request home insurance we may pass information about you to any organisation approved by us to enable them to arrange and administer the requested plan and for the purposes of underwriting, claims handling and fraud prevention (which could include passing details to other insurers).
Unsolicited Email Messages
Policy against advertising our website using unsolicited email messages
We require that all emails promoting appleloans.co.uk or its products are sent only to clients who have agreed to receive such messages. We prohibit any advertising of our brand and website using unsolicited email messages. Not complying with this policy will cause partnership termination and/or affiliate account termination.
If you feel you’ve been sent unsolicited emails promoting our brand or website and would like to register a complaint, please click here to contact our customer service department. We will immediately investigate all allegations made related to unsolicited messages.