Personal Loans
All loans are subject to regulations and conditions. The legal information relating to these regulations and conditions can be viewed here. We advise you to read this information fully before applying for a loan.
Loans are provided by Halifax, Trinity Road, Halifax, HX1 2RG. Written quotations are available on request. All lending is subject to appraisal by the Bank of the applicant's financial status. To apply, you must be at least 22 and a UK resident (excluding the Channel Islands and the Isle of Man). APR and repayment details are correct at time of print. Certain purposes of loan may be excluded or have limited repayment periods; please ring for details.
The rate you are offered will depend on the amount you apply to borrow, on our credit assessment procedures, your personal circumstances and other related factors.
We charge interest in the period between the start of your loan and your first monthly repayment.
Products and offers are subject to conditions and can be withdrawn without notice. As security for your loan , we have a right of set off. This means that if you are in breach of your Halifax Loan agreement we may set-off any money you owe us against a credit balance on any other account you hold with us, including a joint account. We will only take money from a joint account if the conditions of that account allow and there are sufficient funds.
24-hour delivery is only available if you opt for our courier service and arrange your loan by 3.30pm. Delivery may take longer at weekends or in outlying areas. If you choose the optional courier service and additional fee, which is currently £50 will be payable one month before your first monthly repayment. This additional fee is subject to change at any time and the up to date fee will be notified upon application
Data Protection Act
By submitting this document
- I confirm that I have read the information sheet "Uses of Data" and agree that the information I have provided in this application, and any other information relating to my account(s), may be processed and disclosed in the ways described.
- I agree that my personal data may be shared with any company from time to time forming part of the same Group as Halifax together with the Introducer and any associated Companies (if applicable) and Insurers (if applicable) who may also use it in the ways described in the Uses of Data section below.
- I agree that information on the performance of my account(s) may be shared with Credit Reference Agencies and may be used by other lenders for credit assessment.
- I agree that any sensitive information obtained will only be processed in order to provide the service requested.
- I am entitled to disclose information about any co-applicant or guarantor and/or anyone else referred to by me, and to authorise you to search and/or record information at Credit Reference Agencies about each of us. I understand that an "association" will be created at the Credit Reference Agencies, which will link our financial records.
Uses of Data
A Service of Quality
We place paramount importance on customer service and aim to meet your expectations on every occasion.
To achieve this aim we need accurate personal information about you. Please help us take prompt and efficient action by informing us of any changes to your personal circumstances either by visiting your Branch or by writing to us.
We have a legal obligation under the Data Protection Act to ensure that all information held and processed about you complies with the principles of the Act.
The Act requires all personal information to be treated in the strictest confidence and to be used only for purposes of which you are aware.
Confidentiality
We will treat all your personal information as private and confidential (even when you are no longer a customer). Nothing about your accounts nor your name and address will be disclosed to anyone, other than in four exceptional cases permitted by law. These are:
- where we are legally compelled to do so;
- where there is a duty to the public to disclose;
- where disclosure is required to protect our interest; (This will not be used as a reason for disclosing information about you or your accounts, including your name and address, to anyone else for marketing purposes.)
- where disclosure is made at your request or with your consent. (This can be either as a result of an application for a product or service or by signing an explicit declaration as part of the application. Consent does not need to be in writing if the service is provided over the telephone.)
From time to time we will employ agents and sub-contractors to process your information on our behalf. The same duty of confidentiality and security will apply to our agents and sub-contractors and all processing will only be carried out under our instruction and will be supported by written contract.
Using Your Personal Information
Providing the service for which you have applied
Your details will be used in providing the service you applied for and for the ongoing administration of the service. If you are taking out insurance, your details will be passed to the insurers for this purpose. If you make a claim, any information you provide to the insurers may be put onto a register of claims through which insurers share such information to prevent fraudulent claims. A list of the participants and the address of the operator are available from the insurers.
Keeping You Informed
There may be times when we feel that a service or product offered by us or a selected third party may benefit you. We may use information we obtain from your account transactions in this decision-making process. To make you aware of the service or product we may contact you by mail, telephone, fax, e-mail or other reasonable method to give you further details so that you can make an informed choice.
You are, of course, under no obligation to apply for any of the services or products offered. If you prefer not to receive any of this information, please write to us at Data Unit, Halifax, Freepost NWW15306, City House, City Road, Chester CH88 3YZ. We will only contact you by fax where you have given us your explicit consent.
Research & Statistical Analysis
We will use your details to assist us in understanding individual needs and business trends in order to improve the products and services we offer.
Cookies and how we use them
A cookie is a small piece of information, which websites that you visit place into your Internet browser, and can retrieve later. Cookies cannot be read by any website other than that which originally placed the cookie.
We do not store any personal or traceable customer information in the cookies that we use. Additionally, all our cookie data is encrypted to prevent third parties from accessing the information they contain.
Some cookies last only as long as you are browsing a particular website and are deleted when you move on to another website. Other cookies are stored by your browser and are retrieved by the website when you visit it again. Typically, this type of cookie could deliver a personalised welcome message to a customer.
Our websites use cookies for tracking purposes. Cookies allow us to track which banner advertisements on external sites have led customers to our service. They also help to manage the rotation of advertisements that appear on your browser, preventing you from getting the same advert more than once. It is possible to disable the cookies when using this website, as this should cause no degradation of the content you can access or functionality you can use.
If you want to delete any Cookies that are already on your computer, please refer to the instructions for your file management software to find the file or directory that stores cookies. If you want to stop cookies being stored on your computer in future, please refer to your browser manufacturer's instructions by clicking 'Help' in your browser menu. Further information on deleting or controlling cookies is available at www.aboutcookies.org.
Cookies and how we use them on our service
Our service uses Microsoft Active Service Pages (ASP), which need cookies to operate properly. It is important that your Internet browser is set to accept cookies when using our online service, otherwise you will not be able to use the site to the full.
Cookies help you navigate around the site and fill in forms. Cookies also enable us to provide you with informational messages and to ensure your transactions are secure.
Protecting Our Customers
We always try to protect you from entering into any agreement that may not be in your best interest. When you apply for credit we may use a process known as Credit Scoring. This will help us to assess your application to ensure that you are able to re-pay the borrowing comfortably and fulfil our duty to you as a responsible lender. Declined applications based on this automated technique can be reviewed manually on request.
Anti-Money laundering and statutory obligations
To comply with money laundering regulations, and to help stop criminals using financial products or services to launder money, there are times when we need to confirm (or reconfirm) the name and address of our customers. We may need to do this whether you are applying to be a new customer or have been one for some time. This information may be shared with other HBOS Group companies. For more details about identity checks on account opening, please ask for our leaflet "Your identity- how to help us prevent crime". Some Acts of Parliament oblige us to disclose information about our customers to certain bodies with statutory powers. For example, we must give information to authorised benefit fraud investigators where fraudulent benefit claims are suspected. In addition, the Inland Revenue has the statutory authority to audit our customers accounts from time to time.
If you e-mail us, or give us your e-mail address, we will keep a record of it.. We will not give your e-mail address to any unauthorised third parties. When e-mailing us, always use the e-mail facility on our websites to make sure that the content of your e-mail is secure. If you send us e-mail in other ways, remember that it will be insecure and could be intercepted. If you do send us insecure e-mail, please keep the amount of confidential information you include to a minimum. We will do likewise when we reply.
In considering an application we will search your record at Credit Reference Agencies. They will add to your credit file details of our search and your application and this will be seen by other organisations that make searches. We will also add to your record with the Credit Reference Agencies details of your agreement with us, the payments you make under it, any default or failure to keep to its terms and any change of address you fail to tell us about where a payment is overdue. It is important that you give us accurate information. We will check your details with fraud prevention agencies and if you give us false or inaccurate information and we suspect fraud, we will record this.
We and other organisations may use and search these records to:
- help make decisions about credit and credit related services for you and members of your household;
- help make decisions on motor, household, credit, life and other insurance proposals and insurance claims, for you and members of your household;
- trace debtors, recover debt, prevent fraud, and to manage your accounts or insurance policies;
- check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity.
For these purposes we or they may make further searches. The Credit Reference Agencies and fraud prevention agencies will also use the records for statistical analysis about credit and about insurance and fraud.
If you have experienced problems obtaining credit we recommend you request a copy of your credit file from the Credit Reference Agencies. They will charge for this service. Their addresses are shown below.
Introducers
Where your business has been introduced to us from a third party, we will pass back information about you and your agreement that may be necessary for the purpose of administration, payment or settlement. The person who introduces you to us may use this information for marketing purposes, but only with your consent.
Sensitive Data
Certain information collected may be classified as sensitive and we can only use such data where we have your explicit consent. This data relates to racial or ethnic origin, political opinions, religious beliefs, trade union membership, physical or mental health, sexual life, criminal proceedings and offences and will only be processed in order to provide the service requested.
The Details We Hold
These uses of your personal information are covered by our notification under the Data Protection Act. Under the terms of the Act, you have the right to obtain a copy of the information we hold about you, upon payment of the appropriate fee.
We hope that you have found this information of interest. Please be assured that the Bank will actively review your personal information on a regular basis to ensure it is accurate.
If you have any questions or concerns on the use of your personal information, please do not hesitate to contact us at any time.
Credit Reference Agencies Addresses
If you would like a copy of your credit file, please write to the following, enclosing a cheque or postal order for £2. You will need to tell them your full name and address(es) for the last six years.
Experian Limited
Consumer Help Service
PO Box 8000
Nottingham
NG1 5GX
Equifax Europe (UK) Ltd
Dept 1E
PO Box 3001
Glasgow
G81 2DT
Callcredit plc
One Park Lane
Leeds
West Yorkshire
LS3 1EP
Tel: 0870 060 1414
www.callcredit.co.uk
Creditcare
To qualify for Creditcare, you must be between 18 and 65, a UK resident and in work. As with all insurance schemes there are some limitations but these have been kept to a minimum. All insured customers will receive a copy of the policy which contains full policy details and details of the claims and complaints procedures. A copy of the policy is also available on request.
If you suffer from a pre-existing medical condition this may affect your ability to claim under certain sections of the policies. If you have opted for a policy which includes unemployment cover and are aware of impending unemployment at the start date of the term of cover you will not be able to claim for this event. If you are self-employed or if you are working on a fixed term contract certain conditions apply. You will receive a policy booklet, which shows what is and isn't covered please read this carefully.
Please note that you are responsible for ensuring the accuracy of all answers given and that if you do not disclose all relevant information, or if the information is inaccurate, claims may be affected or we may cancel your policy.
Halifax, Trinity Road, Halifax, West Yorkshire, HX1 2RG is authorised and regulated by the Financial Services Authority. Halifax registered number 106048 Halifax's permitted business is arranging and selling general insurance and pure protection contracts. You can check this on FSA's Register by visiting the FSA's website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. We are permitted by the FSA to sell and administer general insurance contracts.
Creditcare is underwritten by St Andrew's Life Assurance plc (Registered No 3104670) (England) and St Andrew's Insurance plc (Registered No 3104671) (England) ("the Companies"), St Andrew's House, Portsmouth Road, Esher, Surrey, KT10 9SA. St Andrew's Insurance Life Assurance plc and St Andrews Insurance plc are authorised and regulated by the Financial Services Authority.
Halifax, St Andrew's Life Assurance plc and St Andrew's Insurance plc are connected companies as all are HBOS plc group companies.
Telephone calls to St Andrew's may be monitored or recorded to assist with staff training and for quality control purposes.
If your loan is regulated by the Consumer Credit Act 1974, you can settle your loan agreement at any time by giving us written notice and paying us the amount you owe under the loan which may be reduced by a rebate. If you have taken out payment protection insurance, provided that you have not made a successful claim, you may also be entitled to a part refund of the premium. This will not be calculated proportionately but in accordance with the Rule of 78 (details of this formula are available on request), this will be used to reduce the settlement figure on your loan. A compensatory charge of £75 will be deducted from the amount of this refund. If you would like examples of how much premium may be refunded please write to us.
For Our Business Customer
The Data Protection Act does not apply to companies in themselves but it does extend to sole traders and partnerships. When an application is received from a business, in addition to the above information, information may be sought from credit reference agencies on the company directors and/or partners as individuals.
You can obtain a list of all of the companies in the Halifax Group by writing to us.
Halifax complaint handling procedures meet the standards required by the Financial Services Authority. A copy of these procedures are available on request
Security
Your application form will be sent to us through a 'secure session' using banking standards encryption. This is achieved with 128-bit SSL (Secure Sockets Layer), that encrypts your data which is then transmitted securely over the Internet.
Other Information
Halifax subscribes to the Banking Code. Copies are available on request.
Alternative products may be available by visiting our branches or by telephone.
Halifax is a member of the British Bankers' Association and subscribes to the Bankers' Code. A list of members and the Banking Code can be viewed on www.bba.org.uk
You may contact us using Typetalk
Information is available in large print, audio and Braille on request. Please call for details.
If you apply by any other method, the rate and other details of the loans available may differ from those shown.
Telephone calls may be recorded for security purposes and monitored under our quality control procedures.
Your application will not be considered without your home phone number.
Apply for a loan for your client.
Halifax is licensed under the Consumer Credit Act 1974 by the Office of Fair Trading, further details of the Consumer Credit Public Register are available on www.oft.gov.uk
Halifax is a division of Bank of Scotland plc. Registered in Scotland No SC327000. Registered address: The Mound, Edinburgh, EH1 1YZ
