Important Information
What we will do when you apply:
We will pass your details on to one or more of our preferred lenders who may search your record at credit reference and fraud prevention agencies and that of your 'financial associate' if you have one, i.e. a person with whom you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be your spouse or partner (not a business partner). The lender(s) may also, in certain limited circumstances, check the record, including credit details, of other members of your family and, if you are a director or partner in a small business, may also check on your business.
If you tell us that you have a financial associate, the lender(s) will search, link and record information about you both at credit reference agencies. You must be sure you have your financial associate's consent to disclose their information.
If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information.
The lender(s) will use an automated scoring or other decision making process to assess your application and to verify your identity.
What the leader(s) will also do:
The lender(s) will add to your record with the credit reference agencies details of your agreement, the payments you make under it, any default or failure to keep to its terms and any change of name or address.
Account information given to credit reference agencies remains on file for 6 years after the account is closed, whether settled by you or upon default.
What the credit reference agencies will do:
Whether or not an application proceeds, the credit reference agency will place a record of the search on your credit file. This record (but not the lender(s) name) will be seen by other organisations when you apply for credit in the future. A large number of applications within a short period of time could affect your ability to obtain credit.
Whether or not this application proceeds, the agencies will link your records and those of your financial associate(s), including any previous and subsequent names. These links will remain on your and their files until you or they tell the agency you are no longer financially linked and the agency accepts this.
The agencies may supply the lender(s) with credit information, such as previous applications, the conduct of accounts in your and your financial associate's name, any business accounts you have, fraud prevention information and public information such as County Court Judgments, bankruptcies and the Electoral Register.
How the leader(s) will use:
Some information held by the credit reference and fraud prevention agencies will be disclosed to the lender(s) and other organisations to, for example:
- prevent fraud and money laundering, for example by checking details on applications for credit and credit-related or other facilities, proposals and claims for all types of insurance and job applications and employee records;
- recover debts that you owe and trace your whereabouts;
- manage credit accounts and other facilities;
- verify your identity;
- make decisions on credit, insurance and other facilities, about you, your financial associate(s), members of your household or your business; and
- carry out statistical analysis to help with decisions about credit and account management.
The information held by these agencies 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.
The lender(s) and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
If you require details of those credit reference and fraud prevention agencies from which the lender(s) obtain, and to which the lender(s) pass, information about you, please write to: Customer Services Department, International House, Kingsfield Court, Chester Business Park, Chester CH4 9RF. You have a legal right to these details.
You have the right to receive a copy of the information ACF Car Finance hold about you if you apply to us in writing. A fee will be payable.
The information in this site is not directed at anyone other than UK residents and applications from others will not be accepted. The information contained in this site may not satisfy the laws of any other country. If you proceed to access the information included in this site, you acknowledge that you have read and agree with the above statement.
ACF Car Finance Limited. Registered in England number 4757280. Registered address: International House, Kingsfield Court, Chester Business Park, Chester CH4 9RF. Finance is provided subject to status and provision of the correct documents. Licensed credit brokers. You must be at least 21 years of age and a UK resident (excluding the Channel Islands, Northern Ireland and the Isle of Man). Security may be required by way of a Bill of Sale. Credit is only available on cars supplied by us.
† Telephone calls may be monitored or recorded for security and quality control. Lines are open 9am to 8pm weekdays, and 9am to 5pm on Saturdays. The phone number only applies to calls made from within the UK. You may contact us using Typetalk. Information is available in large print, audio and Braille on request; please call for details.
* Part exchange and cashback offers are available if you buy a car from us, with or without finance. Can be offset against the price of the car or otherwise will be paid via cheque once the lender has confirmed that the first repayment has been made on the finance. Please allow up to 30 days after the payment has been made to receive the cheque.
