Pastdue Credit Solutions Ltd. values your privacy and will not sell, loan or otherwise exchange your details with third party companies for marketing purposes
Pastdue Credit Solutions (PDCS) are a Debt Recovery Agency who work on behalf of a number of different clients. This Privacy Notice explains how we use the Personal Data which is held on our system.
Pastdue Credit Solutions (PDCS) are a Data Processor with regard to the Personal Data that we hold on our customers. This is due to the fact that we hold Personal Customer information and process it in line with our contractual requirements. The Data Controller in this instance would be our clients, on whose behalf we work. Should our customers require the contact information of the particular Data Controller who holds their data, please do not hesitate to contact us to obtain this. We would require full Data Protection to be confirmed prior to being able to disclose this information to our customer. This would mean asking our customers some questions, in order to confirm who our customers are such as; their name, address, date of birth etc. This is to ensure that we are speaking with the correct individual and to ensure that personal data is kept safe and secure.
Any customer of Pastdue Credit Solutions.
The Personal Data that we would be processing may include:
As the data controllers, our clients determine the lawful basis under which we process customer data. The usual basis on which we process the above information is in order to fulfil performance of a contract; or legitimate interests; or, in instances where we are employed by a public authority, to fulfil performance of a task carried out in the public interest.
This is to ensure that we have up to date information surrounding our customers finances to ensure that we have the best affordable repayment plan in place for them.
This is to ensure that we deal with our customers account in the best possible manner and take the appropriate action for them, for example sending letters in a suitable medium.
We collect Personal Data to fulfil our contractual requirements with our clients. Consent may have been originally obtained within the Terms & Conditions of our client’s contract.
Personal data is collected by our clients prior to the information being passed to our business and therefore, is as accurate as possible and in line with the information that was provided to them by their customers.
We could have obtained customer information from a number of different sources, such as:
If customers wish to obtain further details on the Credit Reference Agencies we use and the information they hold then please use the following links specific to each Credit Reference Agency’s own Privacy Notice.
The reason that we process customer information is to satisfy our contractual requirements with clients and fulfil our duties as a Debt Recovery Agency.
It is important that customers are aware of what we do with the Personal Data that we hold on them.
We process Personal Data when performing the contract that we have in place with our client. We do this to ensure that we manage customer accounts appropriately and contact them to resolve the issue accordingly. The Consent to contact customers has already been provided to our client when the terms & conditions of their contract or service was agreed or provided.
We will also process Personal Data to comply with legal obligations, such as the Financial Conduct Authority rules.
If customers request information from us, or ask us to contact them, and provide us with details so that we can do this, then we may process this information for the purpose of managing customer accounts. We do this to ensure that we provide the detailed information when providing customers with feedback on this.
Your data will be securely stored in the UK and will only be shared with those necessary in order to satisfy our contractual requirements with clients. This means that your data may be shared with third-party suppliers. Contracts are in place with our third-party suppliers, covering expectations for; Data Protection, Confidentiality and Information Security. Our third-party suppliers are compliant with all applicable data privacy regulation, ensuring your data is safe and secure.
The categories of our third-party suppliers are:
We take privacy very seriously and will use personal information solely for the purpose of administering customer accounts.
At Pastdue Credit Solutions we do the utmost to ensure that Personal Data is kept safe and secure. Our business is certified with ISO9001 (Quality Assurance), ISO14001 (Environmental Management), OHSAS18001 (Health & Safety Management) and ISO27001 (Information Security) management systems. This means that we are audited on a regular basis by an certified organisation to ensure that we fully comply with the requirements of these standards, this includes keeping our customers' personal data safe. We can assure our customers that their information will not be disclosed to any unauthorised third parties and that all of the businesses we share customer data with are compliant with the General Data Protection Regulations.
Should our customers wish to exercise their “Right to Access” and access the data that we hold on them at any point, we would advise them to make contact with us in writing by addressing this to:
FAO Compliance Department
1 Blair Court
Clydebank Business Park
Or send an email to [email protected]. Customers will receive an acknowledgement to the request within 5 working days of the communication being received. Customers can also make a request for data by contacting us via telephone and speaking to one of our Customer Service Consultants.
If our customers agree, we will attempt to deal with this informally where appropriate, for example by providing specific information that is required over the telephone.
Should a customer wish to make a complaint to us regarding the use of their Personal Data, then we would advise them to send this to either [email protected] or the address detailed below.
Pastdue Credit Solutions Limited
FAO Complaints Handler
1 Blair Court
Clydebank Business Park
Customers also have the Right to contact the Information Commissioner’s Office (ICO) if they are unhappy with the way that we have handled Personal Data. The ICO are the supervisory authority who regulate the handling of Personal Data in the UK. Customers can contact them by using their website, phoning them on 0303 123 1113 or by post to:
Information Commissioners Office, Wycliffe House, Water Lane, Wilmslow, SK9 5AF
We would like to assure our customers that none of their Personal Data or information will be shared with third parties for marketing purposes.
Our Data Protection Officer is:
Paul Le Poidevin
Data Protection Officer
Pastdue Credit Solutions Limited
Email: [email protected]
Should our customers wish to discuss how long we retain the Personal Data that we hold on them, then we would ask that they contact us either via telephone, email or letter as the retention period may vary for each of our client requirements and circumstances. We also do request customers contact us to ensure that they can exercise their “Right to Access”.
Information and text displayed in this website is for information only. Whilst every care is taken to ensure accuracy, visitors to the site must use their own discretion in using the material. No responsibility can be accepted by Past Due Credit Solutions Ltd. or its executives for errors or omissions. Where links to other sites, products or services are provided, these are for ease of access only and in no way constitute an endorsement of any products or services thereon. Pastdue Credit Solutions Ltd. is not responsible for the content of any sites other than www.pastduecredit.co.uk.
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