Who we are
This privacy policy will apply to you if you provide personal information to Talk About Debt – even if you decide not to go ahead with any service offered.
As a trading style of the Creditfix Limited, the information you provide on this site will also be used within and held by the company.
This privacy notice is to let you know how we will look after your personal information. This notice also tells you about your privacy rights and how the law protects you.
Contacting us about data privacy
Please use these details to contact us about any of the topics set out in this privacy notice, if you have any questions or want more information about how we manage your data.
Creditfix Limited,
4 West Regent Street,
Glasgow,
G2 1RF
What information we collect and why
This section sets out the legal reasons we rely on, for each of the ways we may use your personal information.
The Data Protection Act 2018 says that we are allowed to use personal information only if we have a proper reason to do so. The law says we must have one or more of these reasons:
- When you consent to it, or
- When it is our legal duty, or
- When it is in our legitimate interest
When we have a business or commercial reason of our own to use your information, this is called a ‘legitimate interest’. We will tell you what that is, if we are going to rely on it as the reason for using your data. Even then, it must not unfairly go against your interests.
The law and other regulations treat some types of sensitive personal information as special. This includes information about racial or ethnic origin, sexual orientation, religious beliefs, trade union membership, health data, and criminal records. We will not collect or use these types of data without your consent unless the law allows us to do so.
Here is a list of all the ways that we may use your personal information, and which of the reasons we rely on to do so. This is also where we tell you what our legitimate interests are.
Processing your online enquiry
When you complete the online enquiry form we take this as your explicit and informed consent to collect the information and contact you to discuss it further. We use your contact information, and the limited amount of financial information you provide to prioritise our work. You don’t have to complete the online form, you can choose to contact us by phone instead.
You can withdraw your consent at any time by contacting us using the details shown above and we will cease processing your enquiry.
When you access our website, your Internet Protocol (IP) address, operating system and browser type is automatically collected and is placed in our internet access logs, which we use for system administration and statistical analysis. We collect information directly from you in a number of ways. One way is through our use of “cookies”.
Preparing your case for referring to the Insolvency Practitioner
When we contact you by telephone to progress your enquiry our calls are recorded for our legitimate interest and to protect us against legal claims.
We will continue to use your consent to collect more detailed information about your financial situation. We will ask you to send us documentary proof of your information, that may include National Identifiers such as your National Insurance number. You may withdraw your consent at any point that you are on the phone with our advisor.
Special Category Data
Information related to your health, or the health of other people in your household, is particularly relevant to your financial situation or your ability to manage your debts. We will therefore collect relevant health information as part of your case.
Managing Our Business
Areas of Financial Services are highly regulated and as such we may need to keep records including your personal information and occasionally share them with regulators in our legitimate interest or as a legal obligation.
Security of your information
We take the security of your information very seriously. We have access controls in place and all our staff are trained on the importance of data privacy and security. If you send us documentation it is scanned and the image is stored in our case management system. The original documents are placed in secure bins and shredded by a reputable firm.
Who we share your information with
When we have completed the information on your case we will use our legitimate interest to pass it to an Insolvency Practitioner who will assess your suitability for an Individual Voluntary Arrangement (IVA) / Protected Trust Deed (PTD). We deal with a number of firms and we will pass your case to the firm we believe are most suited to dealing with you. We will tell you which firm we are likely to pass your case to when we speak to you. If an Insolvency Practitioner refuses your case, we may pass it to an alternative provider.
With your consent we will pass your email address to Trust Pilot who will invite you to complete a review of our service.
We will not pass your information to any other organisation without your consent.
We work with a number of data processors such as telecoms and software providers to provide our service. All of these firms operate under written agreements.
Third Parties
In instances were a site user does not qualify for products administered by Creditfix these people will be transferred to partners that can best administer a product suitable to the individual that are non-insolvency products.
We transfer data to our partners to enable our partners to deliver to you, products, services and information that you have expressed interest in, or that are compatible with the reason you provided your personal data. We may do this because you gave your consent. Once we have delivered your personal data to our partner that partner becomes the controller of your personal data and they will treat your personal data in accordance with their privacy policy. Once your personal data has been delivered to our client, we are no longer responsible for your personal data. Our Partners have their own privacy policies in relation to the data they hold or process. You can ask them about their privacy policy when they contact you.
Our Partners are made up of categories of business types. When we talk about our clients in this privacy policy, we mean our partners are authorised and regulated debt solution providers in the United Kingdom.
For the purpose of Debt Management Plans, Debt Relief Orders, Individual Voluntary Arrangements or secured lending:
GW Financial Solutions (UK) Limited. Incorporated and registered in England and Wales with company number 06855313 whose registered address is at 82 Reddish Road, Stockport, Cheshire, SK5 7QU.
Financial Wellness Group Limited. Incorporated and registered in England and Wales with company number 05254787 whose registered address is at Think Park Mosley Road, Trafford Park, Manchester, M17 1FQ.
Back2Credit Limited. Incorporated and registered in England and Wales with company number 10508037 whose registered address is at Tricorn House 9th Floor Botanical Suite, Hagley Road, Birmingham, England, B16 8TU.
MLS Solvency Limited. Incorporated and registered in Scotland with company number SC502966 whose registered address is at 58 West Regent Street, 3rd Floor, Glasgow, Scotland, G2 2QZ.
Simplify Debt Limited. Incorporated and registered in Scotland with company number SC699376 whose registered address is at C/O Mclay, Mcalister & Mcgibbon Llp, 145 St Vincent Street, Glasgow, Scotland, G2 5JF.
Phoenix Insolvency Practitioners Limited incorporated and registered in England and Wales with company number 12437227 whose registered address is at Earl Mill, Dowry Street, Oldham, England, OL8 2PF.
AF Solutions Limited incorporated and registered in Scotland with company number SC712784 whose registered address is at 1/1 697 Cathcart Road, Glasgow, Scotland, G42 8UA.
MCM Finance Limited incorporated and registered in Scotland with company number SC655091 whose registered address is at 2 Canal Gardens, Elderslie, Johnstone, Scotland, PA5 9AB
The Insolvency Guys incorporated and registered in England and Wales with company number 11814670 whose registered address is at Suite 138, Peel House 30 The Downs, Altrincham, Cheshire, England, WA14 2PX
Aspire Solutions (UK) Limited incorporated and registered in England and Wales with company number 6406978 whose registered address is at 253 Western Avenue, Sandfields, Port Talbot, West Glamorgan, SA12 7NF
Astute Finance Ltd incorporated and registered in England and Wales with company number 11334616 whose registered address is at 93 Lapwing Lane, Manchester, England, M20 6UR.
RMS Debt Solutions incorporated and registered in Scotland with company number SC680080 whose registered address is at C/O Lockhart Amin Accountants, 159 King Street, Rutherglen, G73 1BZ
For the purpose of consolidation loans, protections and insurances, car finance, banking, utility switching, mobile phone contracts and credit building:
Your Loan Expert Ltd incorporated and registered in Scotland with company number SC538950 whose registered office is at 89 West Regent Street, Glasgow, Scotland, G2 2BA
Freedom Finance Ltd incorporated and registered in England and Wales with company number 06297533 whose registered office is at Altantic House Atlas Business Park, Simonsway, Manchester, M22 5PR
Simply Money Ltd incorporated and registered in England and Wales with company number 04085560 whose registered address is at 7a The Square, Martlesham Heath, Ipswich, Suffolk, England, IP5 3SL.
Seopa Ltd incorporated and registered in Northern Ireland with the company number NI46322 whose registered address is at 5th Floor Link Building, Adelaide Exchange, 24-26 Adelaide Street, Belfast, BT2 8GD.
LOQBOX Technology UK Limited incorporated and registered in England and Wales with company number 10583182 whose registered address is at Henleaze Business Centre, Henleaze, Bristol BS9 4PN.
Financial Wellness Group Limited incorporated and registered in England and Wales with company number 05254787 whose registered address is at Think Park Mosley Road, Trafford Park, Manchester, M17 1FQ.
Think Money Limited incorporated and registered in England and Wales with company number – 05530040 whose registered address is Think Park, Mosley Road, Trafford Park, Manchester, M17 1FQ
TalkMobile Limited incorporated and registered in England and Wales with company number – 04154716 whose registered address is Vodafone House, The Connection, Newbury, Berkshire, RG14 2FN
Starling Bank Limited incorporated and registered in England and Wales with company number – 09092149 whose registered address is 3rd Floor, 2 Finsbury Avenue, London, EC2M 2PP
Mediablanket Ltd incorporated and registered in England and Wales with company number – 07949139 whose registered address is The Old Bank, 247 Chapel Street, Salford, M3 5EP
Clear Score Technology Limited incorporated and registered in England and Wales with company number– 09221862 whose registered address is Vox Studios, Vg 203 1-45 Durham Street, London, SE11 5JH
Experian Limited incorporated and registered in England and Wales with company number – 00653331 whose registered address is The Sir John Peace Building Experian Way, Ng2 Business Park, Nottingham, NG80 1ZZ
The Protection Network Limited incorporated and registered in England and Wales with company number – 11001265 whose registered address is 7 Bell Yard, London, WC2A 2JR (Smart Cover Online is a trading style under this Ltd company).
Clear Legal Marketing Limited. Incorporated and registered in England and Wales with company number 07933243 whose office is at Units 115-119 Timber Wharf 42-50 Worsley Street, Castlefield, Manchester, United Kingdom, M15 4LD
Data Transfers outside the EEA
We work with a software development firm located outside the EEA where this party can access your personal information. Where we do transfer your personal information outside the EEA to our suppliers, we will make sure that it is protected to the same extent as in the EEA. We will put in place a contract with the recipient that means they must protect it to the same standards as the EEA.
How long we keep your personal information
We only keep information for as long as necessary and in accordance with our retention policy.
If you make an enquiry on our website that does not progress beyond the first stage will delete the information after six months.
If we have created a record within our case management system, we will delete the information 7 years after we stop dealing with you.
If we have referred your information to an Insolvency Practitioner, you will have to ask them how long they keep your information.
Cookies
We use cookies to make this website work better. If you continue to use this website you are agreeing to their use.
Your rights
Withdrawing your consent
If we are processing your personal information with your consent you may withdraw it at any time. Contact us using the information shown above.
If your personal information is incorrect
You can ask us to correct any of the personal information we hold you believe is incorrect. We may ask you to verify this.
If you want to restrict the processing
If you want us to pause the processing of your enquiry, please contact us. You may wish to do this if you want to correct information or whilst you decide whether to withdraw your consent.
If we have referred your case to an Insolvency Practitioner, you will have to contact them directly about restricting processing.
Deleting your Information
If you want us to delete your information we may be able to do this if you contact us. We can only delete personal information if it does not conflict with our retention policy.
Getting a copy of your personal information
You may request a copy of the information we hold about you. We will respond to this request within one month. You can contact us using the details shown above.
Portability of information
You may ask us for a machine-readable copy of the information you entered into our online enquiry form. We will provide this via a secure method.
Making a complaint
If you are not happy with how we have dealt with your personal information or how we have responded to your questions you may complain to us, using the contact information above. You can also complain or lodge an appeal about the outcome of a complaint to the Information Commissioner. Find out on their website how to report a concern.
Updated: January 2020
