Talk Loans is a trading style of Butler Westbury Ltd which is authorised and registered with the Financial Conduct Authority as a credit broker – Firm reference 625156, registered in England and Wales, Company No 9035270, and with a registered office address of 146 Drayton High Road, Drayton, Norwich Norfolk, NR8 6AN.
Butler Westbury Limited (We/Us) controls any information which you provide on this website and is registered as a Data Controller with the Information Commissioner’s Office under reference number ZA090336.
We will collect and process your personal data based on our legitimate commercial interests to find you a loan once you have made an application with us (either directly to us, or to one of our partners where we are named as a potential processor of your data). If you wish to ask about how we process your personal data you can contact us via email at firstname.lastname@example.org or call us on 01603 391127.
We are a guarantor loan brokerage. We will use your data to try to get a guarantor loan from one of our panel of lenders. At all times, your data will only be used for the purposes of obtaining a guarantor loan.
Talk Loans – Online
We will either have received your data and the data relating to your application / guarantor from a third party introducer, or you will have input your information directly onto our website. In either case, your application details will be held on file for the purposes of processing the application, for transmission to one or more partners – with your permission, for analytical purposes and for future remarketing – where you have given us specific permission.
Talk Loans – Call Centre
If you call us, or we call, you the call may be recorded for monitoring and staff training purposes. Recordings will only be used under proper and careful supervision.
We may collect additional data relating to you and any guarantor on this application and the details will be held on file for the purposes of processing the application, for transmission to one or more partners, for analytical purposes and - where you have given us specific permission -for future remarketing.
Verifying information and storing details
We use a variety of systems and 3rd parties to securely store and verify application information in line with our Data Protection Policy. These parties are used to help us process you application as speedily as possible. None of these companies will contact you directly or use your details in any way other than as described to assist with this application:
Your data is always stored securely and never taken outside of the EU or released to third parties without suitable security standards. We will potentially retain your personal details for up to 6 years after initially receiving them. In some cases we will keep some data for much less time (such as copies of documents) and / or where it is no longer relevant for us to retain them.
You can find out more about which companies we use to process your details at any time by contacting us via email at email@example.com or call us on 01603 391127.
Once an application is started completed online we may then pass your personal details to one or more lenders to try to obtain a loan. Those lenders may complete credit searches, suitability assessments and anti-fraud checks on both the applicant and the guarantor where required.
The lenders we deal with are;
The lenders may attempt to contact both the applicant and the guarantor where required by phone, email, text or letter to finalise the application and any subsequent offer they can make. They will also keep us up to date with the progress of the application including sharing with us communications sent out, underwriting requirements (such as supporting documents needed), general progress updates and application specific information regarding either the applicant or the guarantor where required to allow us to assist with the progress of the application.
Updating Our Partners
We also share non personally identifiable information with our partners regarding the progress of applications. This may be an introducing partner or broker who passed us your application or:
You have certain rights under the data protection act and from 25th May 2018, the General Data Protection Regulations (GDPR).
These rights include (but are not limited to):
Should you wish to talk to us about any of these rights, please email firstname.lastname@example.org or call us on 01603 391127.
If you are unsatisfied with a response from us relating to one of your rights, you may be able to make a complaint to the Information Commissioners Office. We can provide you with these details upon request.
We do not complete credit searches but do use other systems to check the accuracy of data provided during an application.. However, when you apply to us one or more of our partners may check the following records about you and others:
We and our partners may make checks such as; assessing your application for credit and verifying identities to prevent and detect crime and money laundering
How to find out more about Credit Reference Agencies
You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They may charge you a small statutory fee.
CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414
Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.equifax.co.uk
Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 481 8000 or log on to www.experian.co.uk.
Where you have given us explicit permission to do so we may contact you in the future with relevant offers and updates. It is your decision as to whether you wish to ‘opt in’ to marketing by email or SMS or both. If you do not choose to ‘opt in’ we will not remarket to you. There is no negative impact on your application if you choose not to opt in to future marketing.
If you have chosen to 'opt in' and subsequently no longer wish to receive marketing communications from us you can use the unsubscribe option in each communication we send, email email@example.com or call us on 01603 391127.
We do not sell or share your data with 3rd parties for future remarketing purposes.
If we wish to use personally identifiable information about you that you have given to us in a way that is different to that stated at the time we collected it, we will email you to ask your permission if we have an email address for you unless you have opted out of us communicating with you by email.
We will not use your personal information in any way unless you have agreed that we can use it in that way.
If we make any material changes in our privacy practices that do not affect personally identifiable information held by us we will post a notice on our web site notifying users of the change.
Talk Loans is a trading style of Butler Westbury Limited Registered in England No 9035270. Business vector created by freepik - www.freepik.com
Butler Westbury Ltd,
Authorised and regulated by the Financial Conduct Authority Reference No. 625156. Registered office address: 146 Drayton High Road, Drayton, Norwich, England, NR8 6AN.
Talk Loans is a Broker, not a Lender. To operate this service we receive commissions from the lender, broker or 3rd party we refer you to. To apply for a loan though our website you must be a UK resident.