We will generally collect your personal information from you directly. If you are introduced to us by a broker or other intermediary, we will obtain some personal information about you indirectly from them when they introduce you to us.

In addition, we obtain your personal information from other sources such as someone with authority to deal with your financial affairs, fraud prevention agencies, credit reference agencies, your employer, your landlord, other lenders, HMRC, the Department for Work and Pensions, publicly available directories and information (e.g. telephone directory, social media, internet, news articles, Charity Commission, Scottish Charity Regulator), debt recovery and/or tracing agents, other organisations to assist in prevention and detection of crime, police and law enforcement agencies.

Some of the personal information obtained from credit reference agencies will have originated from publicly accessible sources. In particular, credit reference agencies draw on court decisions, bankruptcy registers and the electoral register (also known as the electoral roll). We explain more about credit reference agencies below. We have also mentioned above in the lists of personal information that we process some of the CRAs’ other sources of information (which are our own source of information too).