On Fri, 2008-09-12 at 00:18 +0100, Thomas Dalton wrote:
2008/9/12 Kwan Ting Chan <ktc(a)ktchan.info>fo>:
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.
-----
"*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."
--
Experience is a good school but the fees are high.
- Heinrich Heine