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Data Protection Act

Rugby Credit Union is a data controller of the information provided on the application form in terms of the Data Protection Act 1998 amended.
As part of the processing of loan applications, Rugby Credit Union may search the files of a registered credit reference agency who will keep a record of that search. This can be used by other lenders when processing future applications for credit you make. In addition, if the application is successful, details of how you repay the agreement may be provided to the credit agency who will make this available to other lenders who use the information for credit assessment, tracing of absconders and fraud prevention.

A Credit Union may also consult with other Credit Unions who will take into account the information concerning the borrower's employment prospects of which the Credit Union may have become aware. If the application is successful, the borrower's details will be held by the Credit Union to enable the borrower's loan to be managed. This information may be shared with other Credit Unions to protect the Credit Union's assets and to help prevent fraud. Details of any financial transitions involved (such as payroll deduction) will be made available to the company or organisation concerned.

In the event that the borrower defaults on their loan or any terms and conditions related thereto, details of such default or defaults will be passed to other Credit Unions, debt recovery agencies and courts. In such circumstances it is understood that the Credit Union may disclose details of the Member's account and any matters relating to the account to any credit reference agency and to any other individual, individuals or organisations for this purpose registered by the Credit Union with Data Protection Registrar.