Secured Loan Online Application Form for TPFC

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How much would you like to borrow? Loan Term (in Years) What is the loan mostly for?

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Do you own your home or any other property? Yes No

What is your residential status? How much is your monthly rent payment?

What is the estimated value of the property? What type of property is it?

What type of House or Bungalow?

What type of Flat?

How many bedrooms? Is there a mortgage on the property? Yes No

Mortgage Balance Monthly Mortgage Repayments

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What is your address? Postcode Address

Town Postcode How long have you lived at this address?

Years

Months

What was your previous address? Postcode Address

Town Postcode

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What is your best contact telephone number? What is your Email Address? What is the best time to contact you?

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What is your date of birth?

DD

/

MM

/

YYYY

What is your marital status? What is your employment status?

How long have you been with your current employer?

Years

Months

What is your job title?

What is your income before tax and any other deductions? Monthly Yearly Do you have any other income? Yes No

How much other income do you have? Monthly Yearly

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Does the second applicant live at the same address as you? Yes No

What is their address? Postcode Address

Town Postcode

What is their date of birth?

DD

/

MM

/

YYYY

What is their marital status? What is their employment status?

How long have they been with their current employer?

Years

Months

What is their job title?

What is their income before tax and any other deductions? Monthly Yearly Do they have any other income? Yes No

How much other income do they have? Monthly Yearly

Terms & Conditions

Privacy Policy, Your Rights & Complaints

Terms and Conditions

Who are we?

The Personal Finance Centre is a trading style of Key Loans and Mortgages Limited.

We are a consumer credit broker who offer solutions in the personal finance market. We believe in offering customers a better way to shop for a loan than the standard comparison model.

We don’t offer headline rates to those customers who won’t qualify for them.

Our years of experience in the loans and secured loans market ensure customers have the best possible journey from the moment they start their application right through to getting the funds in their bank account. This means that you can be sure that you, the customer, are at the heart of what we do as a business.

What is our main office address?
The Personal Finance Centre
The Nook
Saunders Way
Cullompton
Devon
EX15 1BS

Registered in England and Wales. Company number 06524192.

Who regulates us?
Key Loans and Mortgages is authorised and regulated by the Financial Conduct Authority (Firm reference number 734892)
Our Data Protection Register number is ZA242735.

Your Contact Details
We will use these details to contact you by telephone, email or text message to discuss your application(s). You can withdraw your consent at any time, please contact us if you want to do so. If you withdraw your consent this may mean that we may not be able to provide certain products or services to you. If this is so, we will tell you.

Accuracy of loan quotes
The Personal Finance Centre takes every care to ensure the accuracy of the loan quotes which are based on the latest information available from the lenders at that time. However, the lenders on the panel reserve the right to change % APR or %APRC rates and underwriting criteria at any time and without notice. This may result in a change to the loan/secured loan offered to you or may result in the loan/secured loans offer being withdrawn.

The accuracy of the loan/secured loan quotes depends upon the accuracy of the information you have provided. The Personal Finance Centre and the lenders on the panel will conduct checks to verify the accuracy of the information you have provided. If information you have provided changes as a result of these checks, the original offer may be changed or withdrawn.

The expected time periods from submitting your application to receiving your loan/secured loan funds are only a guide. Any delay in the returning of your loan documents, proof of income or identification and/or delays with any third party we or the lender need to contact in order to process your application, may result in your application taking longer to complete.

If you’re thinking of consolidating existing borrowing you should be aware that although you may reduce your monthly outgoings you may be extending the terms of the debt and increasing the total amount you repay.

It’s important that you can afford the repayments now and continue to do so throughout the term of the loan as failure to keep up with your repayments could lead to defaults, CCJ’s, ultimately bankruptcy and affect your ability to obtain future credit.

Review, correction and deletion of information we hold.
You have the right to request copies of all records we hold about you. You may request this by writing to us at:

FAO: The Compliance Team
The Personal Finance Centre
The Nook
Saunders Way
Cullompton
Devon
EX15 1BS

This service is free of charge. We shall respond to your request as promptly as possible, but no later than 30 calendar days from receiving it.

What law is applicable to your contract with us?
In legal disputes, the Law of England will apply. As required by law, please note any terms and conditions of your application and agreements will be in English, governed by the laws of England and Wales and we will communicate with you in English.

How do we use third party websites?
Our website may contain links to sites operated by persons outside The Personal Finance Centre. These terms and conditions do not apply to those websites. We are not responsible for the privacy practices, content, or the products and services provided through those sites. We do not accept any responsibility for such third party website, including without limitation for their accuracy, security, the products or services which they offer or for any information which is collected through them. You are responsible for reviewing and abiding by the privacy policies and website terms and conditions of such third-party websites.

How we earn our money
Our income is derived from commissions paid by the lenders and other third parties we deal with for any successful introduction we make. In addition, a broker fee may be charged in relation to a mortgage product you choose to cover our administration and processing costs. This fee will be reflected in the APRC applied to the mortgage/secured loan. If you chose to add the fees to the mortgage/secured loan it will be included in any monthly payment you are quoted. You can opt to pay the broker fee up-front, your Adviser will discuss these options with you.

How to give feedback or make a complaint.
Your opinion is very important to us. Listening to your views helps us develop our company ethos of having customers at the heart of what we do!

Please e-mail us at:
compliance@thepersonalfinancecentre.co.uk
with any feedback you may have that may help us to improve our service.

Our full complaints process can be found on our Privacy and Your Rights page.

Terms of use

Your use of this website constitutes your agreement to all the terms of use detailed below.

The information that is made available on this website is intended for general information purposes only and is provided on an ‘as is’ basis without any warranties of any kind. The Personal Finance Centre does not accept any liability for any loss arising as a result of reliance on the information contained on this website.

This website is owned by The Personal Finance Centre and is protected by copyright and database rights. You acknowledge that all trademarks (registered or unregistered) used in providing this service shall remain the property of The Personal Finance Centre at all times.

You shall not copy, adapt, exploit or otherwise use the information contained on this website in any way, save for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer or terminal, provided that you do not delete any copyright and other proprietary notices contained therein.

We may make improvements or changes to the products, services and prices detailed on this website at any time without notice.

You agree that you will not use this website to:

Commit or encourage any criminal offence, including but not limited to harming a minor in any way and stalking or harassing another;

Insert or knowingly or recklessly transmit or distribute a virus, worm, trojan horse, time bomb, trap door or any other computer code, files or programs or repetitive requests designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of or impair the functionality of this website, including carrying out any hacking activity;

Circumvent, or attempt to seek to circumvent, any of the security safeguards of this website;

Permit any third party to do any of the above.

While we try and ensure that all information on this website is accurate and up to date, errors may occur and we accept no liability for such errors. If we discover an error, we will amend the website as soon as reasonably possible.

We neither warrant nor represent that your use of this website will not infringe the rights of third parties.

We are interested in protecting your personal information and we only use your personal information in accordance with our Data Protection Policy.

You have sole responsibility for adequate protection and backup of data and/or equipment used by you in connection with this website and will not make a claim against The Personal Finance Centre for lost data, re-run time, inaccurate output, work delays or lost profits resulting from the use of such materials.

We may edit this policy from time to time. If we make any substantial changes we will notify you by posting a prominent announcement on our pages.

The Personal Finance Centre reserves the right to refuse access to this website or any component of it. We may at any time, at the discretion of the site’s management, refuse access to certain areas of this website to any individual it chooses – this refusal of access may take whatever form the management deem suitable.

These terms shall be governed by and construed in accordance with English law and subject to the exclusive jurisdiction of the English Courts.

This site is controlled and operated by The Personal Finance Centre from the United Kingdom. The Personal Finance Centre makes no representations that materials in this website are appropriate or available for use in other locations. Those who choose to access this website from other locations do so at their own risk and are responsible for compliance with any and all local laws, if and to the extent local laws are applicable. No material from this website may be downloaded, exported or re-exported into (or to a national or resident of) any countries that are subject to UK exporting restrictions/legal or socio-economic sanctions.

If you have any questions about these Terms and Conditions, or any other aspect of this website please contact us at:

FAO Customer Service Team
The Personal Finance Centre
The Nook
Saunders Way
Cullompton
Devon
EX15 1BS

Telephone:
01482 968 600
Email:
info@thepersonalfinancecentre.co.uk

Calls may be recorded for training and monitoring purposes.

Privacy Policy
This privacy notice explains how we use any personal information we collect about you.

What information do we collect about you?
We collect information about you when you engage us for mortgage advice. This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as data about your health, if this is necessary for the provision of our services. We may also collect information when you voluntarily complete surveys or provide feedback to us.

Why do we need to collect and use your personal data?
The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you. The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data we’d also be unable to fulfil our legal and regulatory obligations. Where special category data is required, we will obtain your explicit consent in order to collect and process this information.

How will we use the information about you?
We collect information about you in order to provide you with the services for which you engage us.

Our Privacy Promise
We promise to keep your data safe and private.

We will not sell your data.

We will give you ways to manage and review your data for:

contact for marketing purposes
contact for the purpose of performing our contract with you
How the law protects you
As well as our Privacy Promise, your privacy is protected by law. Data Protection law says that we are allowed to use personal information only if we have an appropriate reason to do so. The following reasons are the lawful basis in which we are able to use your information:

To fulfil a contract we have with you
To carry out our legal duty
When it is in our legitimate interest
When you consent to it
A legitimate interest is when we have a business or commercial reason to use your information, but even then, it must not unfairly go against what is right and best for you.

How we collect your personal information
We may collect personal information about you from the following sources:

When you apply for one of the products we offer
When you talk to us on the telephone
When you use our website, web chat or text messages
In emails and letters
In financial reviews
In customer surveys
From third parties we work with
Credit reference agencies
How we use your information to make automated decisions
We use systems to make automated decisions based on the personal information we have about you. This helps us to make sure our decisions are quick, fair, efficient and correct, based on what we know. These automated decisions can affect the products or services we may be able to offer you now or in the future or the price/interest rate we can make available to you. These automated decisions are a result of lender credit scoring systems. It uses past data to assess how you are likely to act while making repayments on any money you borrow.

Credit scoring uses three sources of data collected from an application form, credit reference agencies and data we may already hold. It gives an overall assessment based on this and lenders use this to help make a responsible lending decision that is fair and informed.

Who might we share your information with?
In instances where we cannot source a suitable product through our internal panel of lenders, then we may share your details with a carefully selected partner who we feel may be able to assist you. They will review your details and contact you to discuss further by phone, email and SMS.

Our partners include Evolution Money, Specialist Money, Norton Finance, Astute Finance, Cream Financial Solutions, Aro Mortgages & Optimise Finance.

Where third parties are involved in processing your data, we will have a contract in place with them to ensure that the nature and purpose of the processing is clear, that they are subject to a duty of confidence in processing your data and that they’ll only act in accordance with our written instructions. Where it’s necessary for your personal data to be forwarded to a third party we will use appropriate security measures to protect your personal data in transit.

If you agree, we may also contact you via email, SMS or telephone about other products or services that we think may be of interest to you. In order to deliver our services to you effectively we may send your details to third parties such as those that we engage for professional compliance, accountancy, legal, and credit reference services as well as product and platform providers that we use to arrange financial products for you.

To fulfil our obligations in respect of prevention of money-laundering and other financial crime we may send your details to third party agencies for identity verification purposes.

Credit Reference Agencies
We carry out credit and identity checks when you apply for a product or service and may use credit reference agencies to help us with this. We share your personal information with Credit Reference Agencies and they will give us information about you.

The data we can exchange can include:

Name, address and date of birth
Credit application details
Details of any shared credit
Financial situation and history
Public information from sources such as the electoral register
This data is used to:

Assess whether you are able to afford to make repayments
Help detect and prevent financial crime
When we ask Credit Reference Agencies about you, they will note it on your credit file. Other lenders may see this and we may see credit searches from other lenders. If you apply for a product with someone else, we will link your records with theirs. We will do the same if you tell us you have a spouse, partner or civil partner. You should tell them about this before you apply for a product or service as it is important that they know your records will be linked together and that credit searches may be made against them.

Marketing
We may use your personal information to tell you about relevant products and offers. This is what we refer to as “marketing.” The personal information we have for you is made up of what you tell us and data we collect from third parties we work with. We can only use your personal information to send you “marketing messages” if we have either your consent or a legitimate interest. That is when we have a business or commercial reason to use your information. It must not unfairly go against what is right and best for you.

You can ask us to stop sending you “marketing messages” by contacting us at any time. We may ask you to confirm or update your choices when we speak with you in the future and if you change your mind, you can update your choices at any time by contacting us at:
marketing@thepersonalfinancecentre.co.uk

How do we maintain your information?
The Personal Finance Centre is committed to safeguarding the privacy of your information. We use industry standard methods to ensure that all the information you provide via this site is secure. When it reaches us, we then store it on secure servers so that it can only be viewed by authorised personnel. We will only collect personally identifiable information to the extent deemed reasonably necessary to serve our legitimate business purposes. If we do transfer it outside the EEA, the information may be processed by staff operating outside the EEA who work for us or one or more suppliers. Such staff may be engaged in, among other things, the fulfilment of services, the processing of the application details, and the provision of support services. By submitting your personal information, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your information is treated securely and in accordance with this privacy policy.

How long do we keep hold of your information?
In principle, your personal data shouldn’t be held for longer than is required under the terms of our contract for services with you. However, we are subject to regulatory requirements to retain data for specified minimum periods. We also reserve the right to retain data for longer than this due to the possibility that it may be required to defend a future claim against us. In any case, we will not retain your personal data for longer than 7 years after our contractual agreement has been terminated. You have the right to request deletion of your personal data. We will comply with this request, subject to the restrictions of our regulatory obligations and legitimate interests as noted above.

How can you access the information we hold about you?
You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please email or write to us using the contact details noted below.

When your personal data is processed by automated means you have the right to ask us to move your personal data to another organisation for their use.
compliance@keyloansandmortgages.co.uk

This service is free of charge. We shall respond to your request as promptly as possible, but no later than 30 calendar days from receiving it.

What if you want us to stop using your personal information?
You have the right to object to our use of your personal information, or to ask us to delete, remove or stop using your personal information if there is no need for us to keep it. This is known as your “right to object” and “right to erasure” or the “right to be forgotten.” There may be legal or other reasons why we need to keep or use your data but please tell us if you think that we should not be using it. You can ask us to restrict the use of your personal information if:

It is not accurate
It has been used unlawfully but you don’t want us to delete it
It is no longer relevant but you want us to keep it for use in legal claims
You have already asked us to stop using your data but you are waiting for us to tell you if we are allowed to keep on using it
If you want to object to the way we use your data or ask us to delete it or restrict how we use it, please contact us.
compliance@keyloansandmortgages.co.uk

How to withdraw your consent
You can withdraw your consent at any time. Please contact us if you want to do so. If you withdraw your consent, we may not be able to provide certain products or services to you. If this is so, we will tell you.

Cookies
We use cookies to track visitor use of the website and to compile statistical reports on website activity.

For further information visit http://www.allaboutcookies.org/

You can set your browser not to accept cookies and the above website tells you how to remove cookies from your browser. However, in a few cases some of our website features may not function as a result.

Other websites
Our website contains links to other websites. This privacy policy only applies to this website so when you link to other websites you should read their own privacy policies.

What can you do if you are unhappy with how your personal data is processed?
If you are unhappy with how your personal data is processed, please contact us and we will endeavour to resolve your issue by following our complaints procedure, details of which are highlighted below. You also have a right to lodge a complaint with the supervisory authority for data protection. In the UK this is:

The Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

Telephone: 0303 123 1113 (local rate)

Changes to our privacy policy
We keep our privacy policy under regular review, and we will inform you of any changes when they occur. This Privacy Notice was last updated on 02/04/2024

Contact us about your information
Please contact us if you have any questions about our privacy policy or information we hold about you by writing to us at our usual business address or by email at
compliance@keyloansandmortgages.co.uk

Consent, information usage and sharing
The Personal Finance Centre Limited is committed to keeping your information private.

By your ‘information’ we mean any information about you or anyone associated with you that you or a third party provides to us, as a result of the application process.

By proceeding you are confirming that you have consent of all persons named on the application to act and accept these terms and conditions on their behalf and in doing so give consent to us, our lenders, Credit Reference Agencies (CRA’s) and associated brokers to process your and their data in the ways described below.

In order to provide the service you have requested we will process your information and share it with our panel of lenders, CRA’s, other brokers and any other third party we believe may be able to help you.

In order to assess creditworthiness, verify identities, prevent financial crime and so we can find the right lender for your circumstances, we and our lenders may perform ‘soft’ credit searches (quotation searches) on you and anyone to whom you are financially linked. This search is conducted by a CRA and details of the CRA’s we work with are available on request. The result of the ‘soft’ search will be recorded on your file and or anyone you are financially associated with by the CRA but will not be visible to anyone but you or your financial associates. These searches have no impact on your credit score or the credit score of your financial associates.

If you choose to proceed with a loan, your selected lender may perform a ‘hard’ credit search (application search), to verify your identity, confirm your address, assess your creditworthiness and to prevent and detect financial crime. In doing so, the CRA will add the details of this search to all credit files relevant to the application. This search can be viewed by the credit reference agency and any other organisation that conducts a credit search, including lenders. These organisations may use this information in the future to help make credit decisions, prevent financial crime and to trace debtors.

If false or inaccurate information is provided, or if a reasonable suspicion of fraud or any other criminal offence is identified, details will be shared with fraud prevention agencies, law enforcement agencies and regulatory bodies who may access and use this information. We and other organisations may access and use the information recorded by fraud prevention agencies to prevent fraud and money laundering, for example, when:

Checking details on applications for credit and credit related or other facilities
Managing credit and credit related accounts or facilities
Recovering debt
Checking details of job applicants and employees
Details of the fraud prevention agencies we work with are available on request, please e-mail:
info@thepersonalfinancecentre.co.uk

Information held about applicants by CRA’s may already be linked to records related to one or more of your partners or members of your household. For the purpose of this application you may be treated as financially linked and the application may be assessed with reference to any ‘associated ‘records:

To identify you when you contact us.
To satisfy legal and regulatory obligations placed upon us.
To perform statistical analysis, system testing and research, with the aim of improving our service.
To consider and implement business, products and technology developments.
For the purpose of training our staff.
For the purposes of auditing and monitoring our business activities.
With your consent, both we and other carefully selected organisations or alternative credit and insurance providers may contact you by telephone, letter, fax, e-mail, SMS or other social media to offer other credit or insurance products which may be of interest to you. We may also send you information about money saving tips and guides, plus guides concerning fraud and scam awareness. If you do not wish to be contacted with such offers or information then please opt out of future marketing activity on our application form or e-mail us at:

info@thepersonalfinancecentre.co.uk

How to make a complaint
Customer satisfaction and delivering good customer outcomes are central to the business of The Personal Finance Centre and we take all customer complaints very seriously, managing complaints to the regulatory standards of the Financial Conduct Authority (“FCA”) and complying with Treating Customers Fairly guidelines.

We hope that you will be happy with the service received, however where we do receive a complaint or we become aware of customer concerns or unease, we aim to handle the matter as quickly as possible through our appropriate, transparent and effective complaints procedure which gives priority to resolving customer dissatisfactions as efficiently, clearly and fairly as possible, within a reasonable timescale.

Please let us know about any concerns as soon as possible – the sooner we know, the sooner we can take action.

If we are unable to resolve any dissatisfaction you may have straight away, you can contact us to complain via the following methods:

Telephone:
01482 968 600

Email:
compliance@keyloansandmortgages.co.uk
In Writing:
Send correspondence to our registered address which is as follows:

FAO The Compliance Team
The Personal Finance Centre,
The Nook,
Saunders Way,
Cullompton, Devon
EX15 1BS.

Please tell us what happened and how you want things putting right.

Complaints Process
We will acknowledge your complaint promptly (within 3 working days of receipt of your complaint), normally via email but we can send this by letter or over the telephone at your request.

The matter will then be investigated by a senior person who, where possible is independent of the case. They will investigate your complaint competently, diligently, and impartially, obtaining further information as necessary.

We will keep you informed of the progress of your complaint throughout the investigation.

A final written response detailing our conclusions and resolution to the complaint will be sent to you within 8 weeks of receipt of your complaint. Where appropriate, this may include the offer of redress or remedial action. This letter will also confirm that if you remain dissatisfied with our final response, you may refer your complaint to the

Financial Ombudsman Service (FOS) within 6 months of the date of our final response letter, otherwise you would lose this referral right.

If we are unable to provide you with a final written response within 8 weeks of receipt of your complaint, we will write to you explaining why and advise you when you can expect a final written response, informing you that you may now refer the matter to the Financial Ombudsman if you wish.

If more than 8 weeks from the date of your complaint has passed and you haven’t received a final written response from us, you may refer the matter to the Financial Ombudsman services.

Their contact details are as follows:

The Financial Ombudsman
Exchange Tower
London
E14 9SR

Telephone:
0300 123 9 123 or 0800 023 4567

Website:
www.financial-ombudsman.org.uk

Email:
complaint.info@financial-ombudsman.org.uk

Please note that before the Ombudsman service can look into your complaint, they will expect you to have first got in touch with us and given us the chance to put matter right.

Please also bear in mind that if your complaint involves information from third parties, some delays could be beyond our control. We will, however, pursue information on a regular basis.

Third Party Complaints
In the event that we receive a complaint that is not about us, or our services, and assuming that we can identify the firm to whom the complaint should be addressed, we will carry out the following action:

We will write to the firm concerned, explaining that we believe the complaint in question to be theirs, and suggesting that they contact you directly.

We will enclose a copy of your original complaint letter.

We will write to you, giving contact details of the relevant firm, and invite you to get in touch with them directly. We will also provide you with a copy of the letter we send to the firm.

We will copy the new firm in on this letter.

We are committed to treating customers fairly and performing to high professional standards, aiming to be fair and reasonable in all our dealings with customers ensuring an appropriate degree of protection for them.

We keep accurate and comprehensive records of complaints received as well as any actions taken to improve services as a consequence of complaints.

Feedback
We welcome feedback that may help us to improve our services. Therefore, if you have any suggestions or comments, please tell us your thoughts by visiting our ‘contact us’ page.

By clicking on 'Submit Application', you are indicating that you agree to the terms above and that you have also read Privacy Policy | Terms & Conditions

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