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Loans Online Loan Application

ONLINE LOAN APPLICATION

Your Personal information

Who looks after your personal information.

Your personal Information will be held by Blantyre Credit Union which trades as Lanarkshire Credit union.

How we use your personal information

We use the information you provide to allow us to:

· Provide products, services, manage relationships with members and to comply with regulations and legal requirements, including anti-money laundering and fraud prevention.

· Improve our services and to assist with identification of products and services that may be of interest to members. We also use this information for audit and debt collection purposes.

Who we share your information with

Your personal information is shared with our IT providers.

· By sharing this information it enables us to operate member accounts and policies, and provide products and services efficiently.

· Our processing may include activities which take place outside of the European Economic Area. If this is the case we will ensure appropriate safeguards are in place to protect member personal information.

· We also share your information with credit reference agencies and fraud prevention agencies.

Where we collect your personal information from

We will collect personal information from a number of sources including:

· Information which is given to us on application forms, when you talk to us in branch, over the phone or by email.

· From analysis of how you operate our products and services, including the frequency, nature, location, origin and recipients of any payments.

· From or through, other organisations including card associations, credit reference agencies, insurance companies, social media and fraud prevention agencies.

· In certain circumstances we may also use information about health or criminal convictions but we will only do this where allowed by law or if you give us your consent.

Do you have to give us your personal information.

We may be required by law, or as a consequence of any contractual relationship we have:

· to collect certain personal information. If you fail to provide this information to us it may prevent or delay us fulfilling these obligations or performing services which may prevent us operating accounts or policies.

What rights you have over your personal information

The law gives you a number of rights in relation to your personal information including:

· the right to access the personal information we have about you. This includes information from application forms, statements, correspondence.

· the right to get us to correct personal information that is wrong or incomplete.

· in certain circumstances, the right to ask us to stop using or delete your personal information.

· from 25 May 2018 you will have the right to receive any personal information we have collected from you in an easily re-usable format when it’s processed on certain grounds, such as consent or for contractual reasons. You can also ask us to pass this information on to another organisation.

Other individuals you have financial links with

We may also collect personal information about other individuals who you have a financial link with.

· This may include people who are beneficiaries on a members account or if they have a Third Party Mandate in place. Or in cases of a member declaring their partners income as part of their loan application.

· We will collect this information to assess any applications, provide the services requested and to carry out credit reference and fraud prevention checks.

How we use credit reference agencies

In order to process your application we supply your personal information to credit reference agencies:

· including how you use our products and services and they will give us information about you, such as about your financial history. We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.

· We may also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time, information on funds going into the account, the balance on the account and, if you borrow, details of your repayments or whether you repay in full and on time.

· CRAs will share your information with other organisations, for example other organisations you ask to provide you with products and services. Your data will also be linked to the data of any joint applicants or other financial associates as explained above.

How we use fraud prevention agencies

The personal information we have collected from you and anyone you have a financial link with may be shared with fraud prevention agencies who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance or employment.

Our full privacy notice

It is important that you understand how the personal information you give us will be used. Therefore, we strongly advise that you read our Full Privacy Notice, which you can find on our Privacy Page or you can ask us for a copy

How you can contact us

If you have any questions or require more information about how we use your personal information please contact us. You can call us on 01698711112. Or write to us at 252 Glasgow Road, Blantyre, Glasgow, G720YH

Full Privacy Statement

(Please follow this link for full privacy statement.)

Please complete all your details in the form below, and click submit when you have finished.

Online Loan Application
* Required Fields
For details on how this data is used, Click Here
Membership number:  *
Payroll number (if applicable): 
National Insurance number: 
Member name:  *
Date of birth:  *
Marital Status:  *
No. of dependents:  *
Current address:  *
Post code:  *
Type of Accommodation:  *
Previous Address (If less than 3 years): 
Post code: 
Home telephone number:  *
Mobile number: 
E-mail address:  *
Personal Info
* Required Fields
How your information will be used:
We may share your information with credit references agencies for use in credit decisions, for fraud prevention, and to pursue debtors.
Please provide telephone numbers and email address in case we need to contact you about your loan.
You do not have to provide your telephone numbers and email address but it will help us to contact you quickly if we have a question.
We would also like to send you information about our own products and services, by post, email, telephone and SMS. If you agree or disagree to being contacted in this way, please tick the relevant boxes:





If you wish to withdraw your consent you may do this at any time by informing us in writing at Lanarkshire Credit Union, 252 Glasgow Road, Blantyre, Glasgow G72 0YH. (Please follow this link for full privacy statement.)
Signature of Applicant:  *
Date:  *
Loan Details
* Required Fields
Type of Loan:  *
I wish to apply for a loan of:  *
Purpose of Loan:  *
Date Required:  *
To be repaid every:  *
In instalments of:  *
Have you ever borrowed with us before?   *
INCOME AND EXPENDITURE
* Required Fields
This information is used to identify member’s affordability which is a contributing factor to the overall loan decision. We may be unable to process your application further without this up to date and accurate information. This information is shared with our IT service providers. (Please follow this link for full privacy statement.)
How is your income and expenditure declared?  *
Income
 
ValueOutstanding
Salary/wages:
Partner's income:
Benefits:
Income Support:
Job Seekers Allowance:
Tax Credit:
Child Benefits:
Disability Living Allowance:
Personal Independence Payment:
Pension Credit:
Private Pension:
Other income (please specify):
Total (A):
Expenditure
 
ValueOutstanding
Rent:
Mortgage:
Council tax:
Gas & Electricity:
Telephone/Mobile:
Groceries:
Catalogues:
Credit cards:
Hire purchase:
Other loans:
Travel:
Clothing:
Pension:
Savings/investments:
Insurance:
Other (please specify):
Total (B):
Current Credit Union Balances
* Required Fields
Current Savings Balance(s):  *
Current Loan Balance(s): 
Current Arrears: 
Employment Details
* Required Fields
Employer: 
Work Address: 
Post code: 
Work Telephone Number: 
Occupation: 
Length of Service: 
Contract Type: 
Contract Term: 
Declaration
* Required Fields
This information is used to identify member’s eligibility to apply for a loan and also to comply with legal responsibilities including responsible lending. This information is shared with our IT service providers and fraud prevention agencies. (Please follow this link for full privacy statement.)
Do you confirm you are in good health?  *
Have you ever been declared bankrupt or the subject of an IVA?  *
Are you in any form of Debt Arrangement Scheme, Trusteed or have entered into one previously or entering into one currently?  *
Have you received any Financial Management Assistance either previously or currently? i.e. Citizens Advice Bureau  *
Are you aware of any bankruptcy (or DRO) proceedings currently underway against you?  *
Do you have any County Court Judgements?  *
By completing this online application "I DECLARE, TO THE BEST OF MY KNOWLEDGE AND BELIEF," THAT
1. I am not indebted to any other Credit Union, Bank or Loan Agency either as a borrower or a Guarantor, except as stated on this application form.
2. I authorise the Credit Union to obtain any further information as required from my employer or credit reference agency.
3. ALL STATEMENTS CONTAINED IN THIS APPLICATION ARE COMPLETE AND ACCURATE TO MY BEST KNOWLEDGE & BELIEF and I acknowledge that if any information given in this application proves incomplete or inaccurate, any loan to me as a result of this application may become immediately repayable to the Credit Union.
4. I understand that the provision of false information is fraud and that the credit union may take appropriate action if I am found to have deliberately provided false or misleading information.
5. I understand that in the event of loss of my income/employment due to an accident, redundancy or sickness, I will still be required to pay my agreed loan repayments.
6. I understand that if I have an existing direct debit arrangement with the Credit Union this will be increased to cover the loan repayment, savings and any payment due to the Credit Union. I also understand that if I have an existing Standing order that I must increase the amount paid if the terms of my loan differ, to cover the loan repayment, savings and any payment due to the Credit Union.
7. I have read and understood the attached condensed guide to the use of my personal information by the Lanarkshire Credit Union and at Credit Reference and Fraud Prevention Agencies and agree to such information being shared.
Please note, you must provide us with your last 3 months bank statements and wage slips when applying for a loan. You can send these by post or by email, you can find these details on our Contact Us page.
Signature of Applicant:  *
Date Signed:  *
In accordance with the principles of the Data Protection Act 1998, we will use your personal details for the purposes of managing your accounts with the Credit Union. Your personal details will be treated confidentially and will only be shared with other agencies for the purposes of credit referencing and debt recovery, for which purpose we hold a Category F consumer credit licence.
Verification
* Required Fields
Please enter the following code:Captcha
Contact Us
  • Tel: 01698 711112
  • Fax: 01698 828810
  • Email:
  • Web: www.lanarkshirecu.co.uk
  • Address: 252 Glasgow Road, Blantyre, Glasgow, G72 0YH
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Lanarkshire Credit Union is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our FRN is 213669