Important Data Protection

A Guide to the use of your personal data by Kabayan Finance and Credit Reference and Fraud Prevention Agencies

Q. What is a credit reference agency?
A. Credit reference agencies (CRAs) collect and maintain information on consumers' and businesses' credit behaviour, on behalf of organisations in the UK.
Q. What is a fraud prevention agency?
A. Fraud Prevention Agencies (FPAs) collect, maintain and share, information on known and suspected fraudulent activity. Some CRAs also act as FPAs.
Q. Why do you use them when I have applied to your organisation?
A. Although you have applied to us Kabayan Finance and we will check our own records, we will also contact CRAs to get information on your credit behaviour with other organisations. This will help us make the best possible assessment of your overall situation before we make a decision.
Q Where do they get the information?


publicly available information: -
• The Electoral Register from Local Authorities
• County Court Judgments from Registry Trust.
• Bankruptcy (and other similar orders) from the Insolvency Service.
  Fraud information may also come from fraud prevention agencies.
  Credit information comes from information on applications to banks, building societies, credit card companies etc and also from the conduct of those accounts.
Q. How will I know if my information is to be sent to a CRA or FPA?
A. You will be told when you apply for an account if your application data is to be supplied. The next section of this leaflet will tell you how, when and why we will search at CRAs and FPAs and what we will do with the information we obtain from them. We will also tell you if we plan to send payment history information on you or your business, if you have one, to CRAs. You can ask at any time the name of CRAs and FPAs.
Q. Why is my data used in this way?
A. We and other organisations want to make the best possible decisions we can, in order to make sure that you, or your business, will be able to repay us. Some organisations may also use the information to check your identity. In this way we can ensure that we all make responsible decisions. At the same time we also want to make decisions quickly and easily and, by using up to date information, provided electronically, we are able to make the most reliable and fair decisions possible.
Q. Who controls what such agencies are allowed to do with my data?
A. All organisations that collect and process personal data are regulated by the Data Protection Act 1998, overseen by the Information Commissioner's Office. All credit reference agencies are in regular dialogue with the Commissioner. Use of the Electoral Register is controlled under the Representation of the People Act 2000.
Q. Can just anyone look at my data held at credit reference agencies?
A. No, access to your information is very strictly controlled and only those that are entitled to do so, may see it. Usually that will only be with your agreement or (very occasionally) if there is a legal requirement.
Please read this section very carefully, it will vary from lender to lender

What we do

1. When you apply to us to open an account, this organisation will: -
  a) Check our own records for information on: -
    i) Your personal accounts;
    ii) and, if you have one, your financial associates'(1) personal accounts;
    iii) if you are an owner, director or partner in a small business (2) we may also check on your business accounts.
  b) Search at credit reference agencies for information on: -
    i) Your personal accounts: -
    ii) and, if you are making a joint application now or have ever done the following we will check your financial associates personal accounts as well: -
• previously made joint applications
• have joint account(s);
• are financially linked (3);
    iii) if you are a director or partner in a small business we may also check on your business accounts;
  c) Search at fraud prevention agencies for information on you and any addresses at which you have lived and on your business (if you have one)
2. What we do with the information you supply to us as part of the application: -
  a) Information that is supplied to us will be sent to the credit reference agencies.
  b) If you are making a joint application or tell us that you have a spouse or financial associate, we will: -
    i) Search, link and/or record information at credit reference agencies about you both.
    ii) Link any individual identified as your financial associate, in our own records
    iii) Take both your and their information into account in future applications by either or both of you.
    iv) Continue this linking until the account closes, or is changed to a sole account and one of you notifies us that you are no longer linked.
  c) If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to fraud prevention agencies and other organisations involved in crime and fraud prevention.
  d) Your data may also be used by us to offer you other products, but only if you have given your permission. That will be on the front of any form that you have completed.
3. With the information that we obtain we will: -
  a) Assess this application for credit and/or;
  b) Check details on applications for credit and credit related or other facilities
  c) Verify your identity and the identity of your spouse, partner or other directors/partners and/or;
  d) Undertake checks for the prevention and detection of crime, fraud and/or money laundering.
  e) We may use scoring methods to assess this application and to verify your identity.
  f) Manage your personal and/or business account (if you have one) with ourselves.
  g) Undertake periodic statistical analysis or testing to ensure the accuracy of existing and future products and services.
  h) Any or all of these processes may be automated.
4. What we do when you have an account: -
  a) Where you borrow or may borrow from us, we will give details of your personal and/or business account (if you have one), including names and parties to the account and how you manage it/them to credit reference agencies.
  b) If you borrow and do not repay in full and on time, we will tell credit reference agencies.
  c) We may make periodic searches of our own group records and at credit reference agencies to manage your account with us, including whether to make credit available or to continue or extend existing credit. We may also check at fraud prevention agencies to prevent or detect fraud.
  d) If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.

What Credit Reference and Fraud Prevention Agencies do

5. When credit reference agencies receive a search from us they will:
  a) Place a search footprint on your credit file whether or not this application proceeds. If the search was for a credit application the record of that search (but not the name of the organisation that carried it out) may be seen by other organisations when you apply for credit in the future.
  b) Link together the records of you and anyone that you have advised is your financial associate including previous and subsequent names of parties to the account. Links between financial associates will remain on your and their files until such time as you or your partner successfully files for a disassociation ⁴ with the credit reference agencies.
6. Supply to us: -
  a) Credit information such as previous applications and the conduct of the accounts in your name and of your associate(s) (if there is a link between you
• see 1b above and/or your business accounts (if you have one).
  b) Public information such as County Court Judgments (CCJs) and bankruptcies.
  c) Electoral Register information.
  d) Fraud prevention information.
7. When information is supplied by us, to them, on your account(s): -
  a) Credit reference agencies will record the details that are supplied on your personal and/or business account (if you have one) including any previous and subsequent names that have been used by the accountholders and how you/they manage it/them.
  b) If you borrow and do not repay in full and on time, credit reference agencies will record the outstanding debt.
  c) Records shared with credit reference agencies remain on file for 6 years after they are closed, whether settled by you or defaulted.
8. How your data will NOT be used by credit reference agencies: -
  a) It will not be used to create a blacklist.
  b) It will not be used by the credit reference agency to make a decision.
9. How your data WILL be used by credit reference agencies:
  a) The information which we and other organisations provide to the credit reference agencies about you, your financial associates and your business (if you have one) may be supplied by credit reference agencies to other organisations and used by them to
    i) Prevent crime, fraud and money laundering by, for example;
(1) checking details provided on applications for credit and credit related or other facilities
(2) Managing credit and credit related accounts or facilities
(3) Cross Checking details provided on proposals and claims for all types of insurance.
(4) Checking details on applications for jobs or when checked as part of employment
  b) Verify your identity if you or your financial associate applies for other facilities including all types of insurance proposals and claims.
  c) Trace your whereabouts and recover debts that you owe.
  d) Conduct other checks to prevent or detect fraud
  e) Undertake statistical analysis and system testing.
11. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
12. Your data may also be used to offer you other products, but only where permitted

How to find out more

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 will 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
Experian Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or log on to
Teletrack UK Limited 6th Floor (South Tower), 26 Elmfield Road, Bromley, Kent BR1 1WA
Please contact us at Kabayan Finance Limited if you want to receive details of the relevant fraud prevention agencies:

Kabayan Finance Ltd Bicester Innovation Centre
Commerce House
Telford Road
OX26 4LD

020 3474 0888
[email protected]
(1) A financial associate will be someone with whom you have a personal relationship that creates a joint financial unit in a similar way to a married couple. You will have been living at the same address at the time. It is not intended to include temporary arrangements such as students or rented flat sharers or business relationships.

(2) A small business is defined as an organisation which might be sole trader, partnership or a limited company that has three or less partners or directors.

(3) Credit reference agencies may link together the records of people that are part of a financial unit. They may do this when people are known to be linked, such as being married or have jointly applied for credit or have joint accounts. They may also link people together if they, themselves, state that they are financially linked.

(4) Financial associates (see 1 a) iii) may break the link between them if their circumstances change such that they are no longer a financial unit. They should apply for their credit file from a credit reference agency and file for a disassociation.

Representative Example Amount of credit £1,000. Total Amount Repayable of £1,490 by 6 monthly payments of £248.34 commencing 1 month from the date of the agreement. Duration of Agreement is 6 months. Annual Interest Rate is 98% flat (fixed). Representative 336.91% APR.

Compare high cost short term loans at

The rate of interest applied to calculate the interest payable on this loan is 49% on the amount borrowed which equates to 98% per annum.

Representative Example Amount of credit £400. Total Amount Repayable of £456 on the 29th day. Duration of Agreement is 29 days. Annual Interest Rate is 168% flat (fixed). Representative 422.61% APR.

Compare high cost short term loans at

* The rate of interest applied to calculate the interest payable on this loan is 14% on the amount borrowed which equates to 168% per annum
Warning: Late repayment can cause you serious money problems. For help, go to
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