On Fri, 2008-09-12 at 00:18 +0100, Thomas Dalton wrote:
2008/9/12 Kwan Ting Chan ktc@ktchan.info:
Barclays Community Account:
[snip]
Well found. Could I have a link so I can see it in context? (I'm a little confused by all the dots!)
Um, nope. It's in the pack I had to spend 15 minutes on the phone in their branch requesting. I'll bring in along to the pub on Sunday. I'll type it out in full below for you to see the whole answer to those two questions.
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"*Checks we need to make on all authorised person*
We need to carry out certain checks on you personally for our own and for regulatory purposes both now and in the future.
To do this we will make credit reference fraud prevention searches and other enquiries. Credit reference agencies will check the Electoral Register.
Records of credit reference searches made only to verify your identity will not be disclosed to other lenders to assess your ability to obtain credit.
If false or inaccurate information is provided or fraud is suspected, details may be passed to fraud prevention and credit reference agencies. Law enforcement agencies may access and use this information. The information recorded by fraud prevention agencies may be accessed and used by organisations in the UK and in other countries. Please contact us if you want to receive details of the relevant fraud protection agencies.
*Checks wee need to make only on authorised persons who have, or are likely to have, a personal liability for money due to us*
We and credit reference and fraud prevention agencies will share your information. We and other organisations may access and use this information to make credit assessments and to prevent and detect fraud, money laundering and other crimes. Examples of circumstances when your information or information relating to your partner(s) or other members of your household may be accessed and/or shared include: * checking details on applications for credit and credit related or other facilities; * managing credit and credit related accounts or facilities; * recovering debt; * checking details on proposals and claims for all types of insurance; and * checking details of job applicants and employees.
In addition we will share information about you and how you manage your accounts with credit reference agencies.
Information held about you by the credit reference agencies may already be linked to records relating to your partner(s) or members of your household where a financial 'association' has been created. Any enquiry we make at a credit reference agency may be assessed with reference to any 'associated' records. Another person's record will be 'associated' with yours when: * you make a joint application; * you advise us of a financial association with another person; or * if the credit reference agencies have existing, linked or 'associated' records. This 'association' will be taken into account in all future applications by either or both of you and shall continue until one of you applies to the credit reference agencies and is successful in filing a 'disassociation'.
Credit reference agencies keep a record of our enquiries and may record, use and give out information we give them to other lenders, insurers and other organisations."