Terms and conditions

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

I/we declare that the statements and particulars in this enquiry form are true and accurate to the best of my/our knowledge and belief and shall form part of any subsequent agreement. I/we agree that such information may be relied upon by all third parties to whom Promise Solutions Limited are authorised to disclose the same as if such third parties had received the information directly.

As part of the enquiry process it is necessary for us to carry out a credit search and receive permission to retain your personal details on our computer files. Any information you provide will be treated in the strictest confidence. Please read the following declaration and click 'I agree' to proceed. Agreement implies acceptance of these terms and conditions. If you do not click agree you will be unable to proceed with your enquiry.

CUSTOMER DECLARATION

I/we confirm that I/we have the consent of any third party whose details I/we may disclose to ("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our enquiry and administering and enforcing any subsequent loan which may be granted to me/us.

I/We agree that you Promise, part of Promise Solutions Ltd, may search the files of a licensed credit reference agency or agencies, who will keep a record of the search, to confirm my/our particulars and for the purpose of credit assessment. I/We agree that you may provide details of this enquiry to other lenders/credit brokers who will also search the files of a licensed credit reference agency or agencies for the same purpose. A record will be kept of such searches which may be used by other lenders in assessing future enquiries for finance by me/us and members of my/our household and for occasional debt tracing and fraud prevention. I/We understand that any selected insurance cover may vary from lender to lender and I/we will receive the appropriate brochure together with the formal offer. Telephone calls may, from time to time, be monitored for training or security purposes.

I/we agree that You and any lender resulting from this enquiry (the "Lender") shall be entitled to use and process, by any medium, the information given by me/us in this enquiry form and any other information about me/us which may be acquired during the lifetime of any loan ("the Data") for the following purposes:-(i) to provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any loan granted to me/us by the Lender, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration. I/we understand that You and /or the Lender will record false or inaccurate information if this is given by me/us and fraud is suspected. (ii) to disclose the Data to credit reference or fraud prevention agencies when requested by them for consideration of any future enquiries/proposals for finance and finance related services, motor, household, credit, life and other insurance and any insurance claims, made by me/us or members of my/our household or for fraud prevention and/or tracing debtors (the agencies may also disclose the Data to other organisations for these purposes); (iii) to disclose the Data to any other company within the Lender's group of companies and/or to any third parties (for example, debt counsellors and insurers) at any time for the purposes of assessing my/our enquiry and administering and enforcing any subsequent loan whether during the course of my/our enquiry or during the lifetime of any loan granted pursuant to such enquiry; (iv) to disclose the Data to any third party who replaces or who may replace my/our Lender. Prevention of money laundering The Lender and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity. Right of subject access Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee.