Loan Application Form - The Co-Operative Credit Union (Page 3 of 4) in pdf

Points to note:



All loans are subject to approval and availability of funds.



For loans being repaid via payroll deduction, if you leave your employment you MUST

inform us prior to your final pay, otherwise any such pay may be taken towards your

outstanding loan.



All loans can be cancelled within 14 days of taking the loan providing all transferred money

is returned to the credit union.



Your personal details will only be used in accordance with the Data Protection Act 1998.

They will only be shared with licensed credit reference agencies and for debt recovery

purposes, should this be necessary.

Credit Reference and Fraud Prevention Agencies

We may make searches about you at credit reference agencies who will supply us with credit

information as well as information from the Electoral Register. The agencies will record details of

any search whether or not this application proceeds. We may use credit scoring methods to assist

the application and to verify your identity. Credit searches and other information which is provided

to us and/or the credit reference agencies about you and anyone with whom you are linked

financially or other members of your household may also be used for debt tracing and the

prevention of money laundering as well as the management of your account. In addition, we may

ask you to provide physical forms of identification and/or we may telephone you to confirm your

identity.

To prevent or detect fraud or to assist in verifying your identity we may make searches of group

records and at fraud prevention agencies who will supply us with information. We may also pass

information to financial and other organisations involved in fraud prevention to protect ourselves

and our customers from theft and fraud. If you give us false or inaccurate information, details will

be passed to fraud protection agencies.

We may use this information if financial or motor,

household, credit, life or any other insurance decisions are made about you or others at your

address(es). This information may also be used for tracing and claims assessments and verifying

identity.

Information held about you by the credit reference agencies may already be linked to records

relating to anyone with whom you have a financial relationship such as a joint account.

Please send the completed form to:

The Co-operative Credit Union

New Century House

MANCHESTER M60 4ES

Phone: 0845 6023554 or 0161 827 6983

Fax: 0161 827 6382

Email: credit.union@co-operative.coop

www: co-operativecreditunion.coop

11/09

Loan Application Form - The Co-Operative Credit Union Page 3