Who we are

Unaffordable lending claim is a trading name of Park pension recovery service LTD Ltd which is regulated by the Financial Conduct Authority, in respect of regulated claims management activities authorisation number 836153.

Our Registered Office Address is:-

4 Woodside Place

Glasgow

United Kingdom

G3 7QF

 

We ask you to read this Privacy Policy carefully as it contains important information about:

• Who we are.
• How and why we collect, store, use and share personal data.
• Your rights in relation to your personal data.
• Information on how to contact us or supervisory authorities in the event you have a complaint.

When we use your personal data we are regulated under the General Data Protection Regulation (‘GDPR’) and we are responsible as a “data controller” of that personal data for the purposes of GDPR.  Our use of your personal data is subject to your instructions, the GDPR, the Data Protection Act 2018 and other relevant UK and EU legislation and our professional duty of confidentiality.

 

 

Personal data we collect about you

The information below sets out the personal data we will, or may, collect in the course of advising and/or acting for you:-

Personal Data we will collect:

• Your name, address and telephone number.
• Information to enable us to check and verify your identity e.g. date of birth or passport details.
• Electronic contact details e.g. your email address and/or your mobile phone number.
• Information relating to the matter in which you are seeking our advice or representation.
• Information to enable us to undertake credit or other financial checks on you.
• Your financial details so far as relevant to your instructions.
• Information about your use of our IT, communication and other monitoring information.

Personal Data we may collect depending on why you have instructed us:

• Your National Insurance and tax details.
• Your Bank and/or Building Society details.
• Your employment status and details of salary and benefits.
• Details of your pension or financial arrangements.
• Your employment records, including where relevant records relating to sickness and attendance, performance, disciplinary, conduct and grievances e.g. you instruct us on a Personal Injury matter where your employment records are relevant.
• Your trade union membership e.g. to determine whether you have the benefit of union funding for the matter in which you instruct us.
• Your medical records e.g. if we are acting for you in a Personal Injury matter.

This personal data is required to enable us to provide our service to you.  If you do not provide the personal data we ask for, it may delay or prevent us from providing services to you.

How your personal data is collected.

We collect most of this information from you directly via different methods for example online, over the telephone or when corresponding with us by letter. 

However, we may also collect information:-

• From publically accessible sources (e.g.. Companies House) ;
• Directly from a third party (e.g. credit reference agencies) ;
• From a third party with your consent e.g. your bank / Building Society;  Consultants or other professionals we may engage in relation to your matter; your employer and/or trade union, professional body or pension administrators; your doctors, medical and occupational health professionals ;
• Via our website – we use cookies on our website – please see more information in relation to our cookies.
• Via our IT systems e.g. case management, document management, time recording systems as well as email and text/instant messaging systems.

How and why we collect store, use and share personal information

Under data protection law, we can only use your personal data if we have a proper reason for doing so, namely:

• To comply with our professional, legal and regulatory obligations ;
• For the performance of our contract with you or to take steps at your request before entering into a contract ;
• Bill and obtain payment for services provided ;
• Audit and monitor usage of our website ;
• Assist with our business development including i) providing you with company news and updates;  ii) our legal services;  iii) sector-specific news relating to the services we provide and iv) our local community involvement ;
• Process and respond to complaints ;
• Staff administration and assessments, monitoring staff conduct and disciplinary matters
• For our legitimate interests or those of a third party; or
• Where you have given consent.

A legitimate interest is where we have a business or commercial reason to use your information, so long as this is not overridden by your own rights and interests.

Where appropriate we may voice record interactions with you which may be stored for training, monitoring and regulatory purposes.

 

We follow industry standards to protect your data, though absolute security isn’t guaranteed. Provided data is stored on secure servers.

Information that is required when you contact us

If you would like to exercise any of the above rights, please:

1. Please let us have enough information to identify you (e.g. your full name, address and client or matter reference number);
2. Let us have proof of your identity and address (a copy of your driving licence or passport and a recent utility or credit card bill); and
3. Let us know what right you want to exercise and the information to which your request relates.

Who we share your personal information with

We routinely share personal information with selected third parties, whom we use to help deliver our services to you, e.g:

• Document Collection Agencies
• Enquiry Agents
• Telephone/Administration Support
• Insurance Companies
• Solicitors
• Medical Agencies
• Barristers
• Statutory bodies or companies e.g. MIB Services, MEDCO, Financial Services Compensation Scheme or Financial Ombudsman Service,
• Regulatory Bodies e.g. Solicitors Regulation Authority or Financial Conduct Authority
• Witness Support Services
• Document Retention Storage Facilities
• ICT Providers

We only allow our service providers to handle your personal information if we are satisfied they take appropriate measures to protect your personal information. We also impose contractual obligations on service providers relating to ensure they can only use your personal information to provide services to us and to you.

We may also share personal information with external auditors, e.g. in relation to Lexcel accreditation and the audit of our accounts.

We may disclose and exchange information with law enforcement agencies and regulatory bodies to comply with our legal and regulatory obligations.

We may also need to share some personal information with other parties, such as potential buyers of some or all of our business or during a re-structuring. Usually, information will be anonymised but this may not always be possible. The recipient of the information will be bound by confidentiality obligations.

Where your personal information is held

Information may be held at our office,  and those of our third-party agencies, service providers, representatives and agents as described above (see above: ‘Who we share your personal information with’).

Some of these third parties may be based outside the European Economic Area. For more information, including on how we safeguard your personal information when this occurs, see below: ‘Transferring your personal information out of the EEA’.

Transferring your personal information out of the EEA

To deliver services to you, it is sometimes necessary for us to share your personal information outside the European Economic Area (EEA); for example, your opponent or a party involved with your transaction may be based outside of the EEA.

These transfers are subject to special rules under European and UK data protection law.

The following countries to which we may transfer personal information have been assessed by the European Commission as providing an adequate level of protection for personal information:

• Andorra
• Argentina
• Canada (commercial organisations)
• Faroe Islands
• Guernsey
• Israel
• Isle of Man
• Jersey
• New Zealand
• Switzerland
• Uruguay
• US

Except for the countries listed above, non-EEA countries do not have the same data protection laws as the United Kingdom and EEA. We will, however, ensure the transfer complies with data protection laws and that all personal information will be secure.

How long will we retain information for

PPRS will typically retain information for a period of at least 6 years.  This is due to regulatory reasons and to ensure our business records are adequate and obtain/maintain adequate levels of insurance coverage.

Keeping your Personal Information secure

We have appropriate measures in place to prevent personal information from being accidentally lost or used or accessed in an unauthorised way. This includes a hardware Firewall that helps guard against We limit access to your personal information to those who have a genuine business need to know it. Those processing your information will only do so in an authorised manner.

We also have procedures in place to deal with any suspected data security breach.  We will notify you of any applicable regulator of a suspected data security breach where we are legally required to do so.

What we use your personal information for

The information below explains what we use (process) your personal data for and our reasons for doing so:

• To provide legal services to you.
  Reason: For the performance of our contract with you or to take steps at your request before entering into a contract.
• Conducting checks to identify our clients and verify their identities.
  Other processing is necessary to comply with professional, legal and regulatory obligations that apply to our business, e.g. under health and safety regulation or rules issued by our professional regulator.
  Reason: To comply with our legal and regulatory obligations.
• Gathering and providing information required by or relating to audits, enquiries or investigations by regulatory bodies.
  Reason: To comply with our legal and regulatory obligations.
• Ensuring business policies are adhered to, e.g. policies covering security and internet use.
  Reason: For our legitimate interests or those of a third party, i.e. to make sure we are following our own internal procedures so we can deliver the best service to you.
• Operational reasons, such as improving efficiency, training and quality control.
  Reason: For our legitimate interests or those of a third party, i.e. to be as efficient as we can so we can deliver the best service for you at the best price.
• Ensuring the confidentiality of commercially sensitive information.
  Reason: For our legitimate interests or those of a third party i.e. to protect our intellectual property and other commercially valuable information.
  To comply with our legal and regulatory requirements.
• Statistical analysis to help us manage our practice, e.g. in relation to our financial performance, client base, work type or other efficiency measures.
  Reason: For our legitimate interests or those of a third party, i.e. to be as efficient as we can so we can deliver the best service for you at the best price.
• Preventing unauthorised access and modifications to systems.
  Reason: For our legitimate interests or those of a third party, i.e. to prevent and detect criminal activity that could be damaging for us and for you.
  To comply with our legal and regulatory obligations.
• Updating and enhancing client records.
  Reason: For the performance of our contract with you or to take steps at your request before entering into a contract. To comply with our legal and regulatory obligations.
  For our legitimate interests e.g. making sure, we can keep in touch with clients about existing and new services.
• To monitor and record information relating to the use of our services, including our website.
  Reason: For our legitimate interests in order to improve our services website usage for individuals
• Statutory Returns.
  Reason: To comply with our legal and regulatory obligations.
• Ensuring safe working practices, staff administration and assessments.
  Reason: To comply with our legal and regulatory obligations. For our legitimate interests or those of a third party, e.g. to make sure we are following our own internal procedures and working efficiently so we can deliver the best service to you.
• Marketing our services to:
  – Existing and former clients;
  – Third parties who have previously expressed an interest in our services;
  – Third parties with whom we have had no previous dealings.
  Reason: For our legitimate interests or those of a third party, i.e. to promote our business to existing and former clients.
• External audits and quality checks e.g. for LEXCEL accreditation and audit of our accounts.
  Reason: For our legitimate interests or those of a third party, i.e. to maintain our accreditations so we can demonstrate we operate at the highest standards.
  To comply with our legal and regulatory obligations.
• To perform HR administration including assessing suitability, eligibility and/or fitness to work
  Reason: To comply with our legal and regulatory obligations
  For our legitimate interests or those of a third party e.g. a regulatory body

Marketing

We may wish to provide you with information about special features of our website or any other features that we think will be of interest to you if you consent. If you would rather not receive this information please send an email confirming this to sar@unaffordablelendingclaim.com, or unsubscribe using the relevant link. If you have agreed to us providing you with the marketing information you can opt-out at a later date.

Your consent

By submitting your personal information you consent to the use of that information as set out in this policy.

 

Data Retention

Unless consented otherwise, Leads Guys Ltd retains your Personal Data for up to 120 days. Third-party suppliers and contractors may hold data for 2 years.

Your Rights

Under privacy regulations (e.g., GDPR), you have rights including access, rectification, objection, data portability, and erasure. We reserve the right to delay or deny requests breaching laws or legitimate interests.

Opt Out

To opt out of marketing communications, email your name, postcode, and telephone number to sar@unaffordablelendingclaim.com Your details will be removed within 3 working days.

Subject Access Request

Request your information details by emailing sar@unaffordablelendingclaim.com. Include email addresses, phone numbers for quicker processing.

Complaints Handling

Contact us at sar@unaffordablelendingclaim.com for complaint resolution. If unsatisfied, contact Ofcom.

Changes to Privacy Policy

Updates will be posted on our site. Continued use after changes implies acceptance.

Contact Us

For inquiries about this policy, contact us at sar@unaffordablelendingclaim.com