Data protection:
Crystal Finances are registered data controllers. Crystal Finances are registered with the data protection act and adhere to their code of conduct. Crystal Finances data protection license number is Z6599644
How we will use your personal Information
Our main use of your personal information is to assist you in your application for a mortgage or
provide a specific service you require. Some details we can/will obtain elsewhere i.e. credit reference agencies.
On certain we may contact you by letter, telephone or otherwise to inform you about other products and services that may be of interest to you. We will request that you sign a separate document or agree on our online form agreeing to this. If for any reason you decide at a later stage you wish not to be contacted in the future please write to us at the following address:
Crystal Finances
534 London Road
Isleworth
Middlesex
TW7 4EP
Credit Referencing:
We will search the files of credit reference agencies who will record the search. We may also provide your information to relevant third parties such as mortgage lenders and the providers of other financial products in order to achieve your requirements. The lender may use automated credit scoring in assessing your application and the information may also be used for identification purposes, debt tracing and the prevention of money laundering. We may also make searches with Fraud Prevention Agencies.
If you are making a joint application:
By stating a financial association with another party, you are also declaring that you are entitled to;
disclose information about your joint applicant and / or anyone else referred to by you.
authorise us to search, link and / or record information at credit reference agencies about you and / or anyone else referred to by you.
Telephone calls:
We may record telephone conversations to offer additional security, resolve complaints and improve our standards.
Website and email:
A cookie is a piece of information that is deposited by our server when you visit our website and is stored on your computer's hard drive by your web browser. This makes it easier for Crystal Finances to identify you, to personalise your experience when you visit our website and to analyse web traffic. You can configure your browser not to accept cookies, although this may hinder the functionality and enjoyment of the website. A cookie in no way gives us access to your computer or any information about you, other than the data you chose to share with us.
The Help menu on the menu bar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie and how to disable cookies altogether. However, cookies allow you to take full advantage of some of our website's most useful features and we recommend that you leave these turned on.
When you visit our website, we store web server logs which show your IP address, this gives us information such as which pages you looked at, whether the page request was successful or not and which browser you used to view the page. The use of this data is purely for statistical purposes. If you email us, or give us your email address, we will keep a record of it. We may use it to contact you occasionally about our products and services, unless you ask not to do so. We will not give your email address to any unauthorised third parties.
If you email us, or give us your email address, we will keep a record of it. We may use it to contact you occasionally about our products and services, unless you ask not to do so. We will not give your email address to any unauthorised third parties.
Credit Reference Agencies:
(The agencies do not keep ‘’blacklists’’ nor do they give any opinion about whether or not credit should be granted.)
The main credit reference agencies are:
Callcredit Plc,
Consumer Services Team,
PO Box 491,
Leeds,
LS1 5XX
Experian Limited,
Consumer Help Service,
PO Box 8000,
Nottingham,
NG1 5GX
Equifax Plc,
Credit File Advice Service,
PO Box 1140,
Bradford,
BD1 5US
Credit reference agencies keep a wide range of information. This includes information from the electoral roll (sometimes known as the voters roll) and records of most county court judgements and bankruptcies. They also retain information relating to previous and existing credit and a record of searches made against the file. The lenders share information through the agencies providing a history of how punctually payments are being made or have been made. Loan information is usually held on file for 6 years. Details of the voters roll may be held for much longer. Information about credit searches is kept for up to two years.
No Credit Leaflet,
P.O. Box 99,
Nelson,
BB9 8GS