Global Debt Recovery

Policy name: How we use your data                                                    version number: 2.0

Effective Date: July 14, 2017

                                                                                                  Last Revised Date: February  19, 2018

Procedure

HOW WE USE YOUR DATA

This privacy policy outlines how Global Debt Recovery Limited will use, store and share your personal data and supplements any fair processing notice provided to you.

We will use your personal data fairly and lawfully and in accordance with the Data Protection Act 1998 (“the Act”). For the purposes of the Act, we (Global Debt Recovery Limited) are data processors.
 

PERSONAL DATA WE MAY COLLECT AND USE

Where We Get Your Personal Data From: You may share personal data about yourself and your circumstances with us through use of our website or within phone calls, emails or otherwise. We may also receive personal data about you from third parties such as from companies that we have instructed us on your account and credit reference agencies.

What Categories of Personal Data Do We Collect? The personal data that we collect ourselves and receive from third parties may include the following: your name, address, e-mail address, phone number, debt information, payment history, credit reference information, and any other details relating to your account.

We collect limited sensitive personal data as required by the Financial Conduct Authority (“FCA”) and we have set out more detail on this in the section headed “Sensitive Personal Data”.

Please note that we may combine personal data we receive from other sources with personal data you give to us and personal data we collect about you.
 

USES MADE OF YOUR PERSONAL DATA

Global Debt Recovery Limited will process data in accordance with this privacy policy.

Global Debt Recovery Limited may use personal data held about you in the following ways:

If you require further information about the purposes for which we use your personal data then please contact our Data Protection Officer:

By letter: The Data Protection Officer, Global Debt Recovery Limited, 8-10 Coombe Road, New Malden, Surrey, KT3 4QE.

By email: info@globaldebtrecovery.com
 

BASIS FOR USING YOUR PERSONAL DATA

Our use of your personal data for the purposes set out above is for the legitimate interests of our business.
 

HOW LONG WILL YOUR PERSONAL DATA BE KEPT BY US?

We will retain your personal data for six years from the closure of your last account with us.
 

DISCLOSURE OF YOUR PERSONAL DATA TO THIRD PARTIES

If we transfer or sell part or all of the business to a third party, your personal data may be disclosed to the third party and any relevant advisors.  Further, if the transaction goes ahead, the third party may use or disclose your personal data as set out in this policy.

We may share your personal data with third parties if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use or to protect the rights, property, or safety of Global Debt Recovery Limited, our clients, our employees and or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
 

SENSITIVE PERSONAL DATA

The Act defines certain personal data as ‘sensitive’ such as personal data regarding your ethnic origin, physical health and mental health. 

We are required by the FCA to understand whether the people that we deal with could be regarded as vulnerable and this may involve collecting and using sensitive personal data.  We may, for debt collection purposes, therefore ask you for some sensitive details or you may voluntarily give such personal data to us. We will only use this personal data for debt collection purposes and we will obtain your consent to processing this data.  Any sharing of your sensitive personal data with clients will be on the basis of your consent or if we are required or permitted to do so under the Data Protection Act 1998.
 

CREDIT REFERENCE AGENCIES

Credit Reference Agencies (“CRAs”) hold personal data about consumers.  Most of the personal data held by the CRAs relates to how you have maintained your credit accounts. They also hold address details and personal data from public sources such as the electoral roll, public records including county court judgments, and bankruptcy and insolvency data.  We may obtain personal data about you from the CRAs for debt collection purposes and to check your credit history, verify your identity (or someone linked with you), to locate you and to prevent fraud protection and money laundering.

If you fall behind with your payments and a full payment or satisfactory payment plan are not made, then a default notice may be recorded with the CRAs.  Any records shared with CRAs will remain on your credit file for 6 years. Other organisations may see these defaults and any searches done on your file, and these may affect your ability to borrow from other lenders.
 

WHERE WE PROCESS YOUR PERSONAL DATA

The data that we collect from you will not be transferred to or stored anywhere outside of the European Economic Area (EEA).

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our website.

 

RECORDED PHONE CALLS

We record all phone calls between our staff and you in order to offer you and our staff additional security, resolve complaints, for training purposes and to improve our quality and service standards.
 

OTHER WEBSITES

Our site may, from time to time, contain links to and from the websites of third parties.  If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies or your use of those websites. 
 

CHANGES TO OUR PRIVACY POLICY

We reserve the right to amend this policy from time to time and if we do we will bring the new terms to your attention when you visit the website.
 

COMPLAINTS AND ACCESS TO PERSONAL DATA

The Act gives you the right to access personal data held about you.  If you would like to access this personal data, are unhappy with how we use your personal data then please contact our Data Protection Officer:

By letter: The Data Protection Officer, Global Debt Recovery Limited, 8-10 Coombe Road, New Malden, Surrey, KT3 4QE.

By email: info@globaldebtrecovery.com

 If you are not satisfied with our resolution of your concern then please contact the Information Commissioner’s Office on 0303 123 1113. 
 

CONTACT

Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to:

By letter: The Data Protection Officer, Global Debt Recovery Limited, 8-10 Coombe Road, New Malden, Surrey, KT3 4QE.

By email:   info@globaldebtrecovery.com