Wescot Credit Services Limited is committed to the protection of your privacy and therefore your personal data. All personal data is processed fairly and in accordance with the law and this policy explains what personal information we process in the course of our activities.
- We do: use data to help us provide a great customer service.
- We do: respect your privacy and work hard to protect your data
- We don’t: sell your personal data to third parties.
Who are we?
Wescot collects debt on behalf of Creditors (i.e. the owner of the debt and the ‘Data Controller’). As such we hold and process information about individuals whose accounts have been passed to us for debt collection purposes. This information is passed to us by the Creditors, credit reference agencies, customers who contact us directly themselves and from other publicly available data sources.
Wescot is the Data Processor of your data and the Data Controller of this personal information remains the Creditor, i.e. the organisation to whom the debt is owed. Therefore you should refer to the Terms and Conditions of your account and/or any agreement with the original Creditor for full details on how your personal data is used by them, along with additional rights you may have as you will have received a full Privacy Statement from that firm which details the full extent of how your data is processed.
One of the legal bases for which we process your personal data is ‘legitimate interests’. This is because the processing is necessary for the legitimate interests of a third party (the Creditors) to whom a debt is due and legally owed. Our processing is undertaken with the purpose of making contact with you to understand your current situation and to recover the amount owed by agreeing an affordable and sustainable way for you to repay the debt. As such our processing will not have any unwarranted impact on you.
In addition we will also process your data ‘in compliance with a legal obligation’. Wescot is authorised and regulated by the Financial Conduct Authority and as such complies with the FCA Handbook and its requirements to ensure our business is overseen, managed and controlled in a responsible manner, which pays due regard to the interests of our customers
In accordance with the UK Data Protection Act 1998 & 2018 we are registered on the public register of data controllers maintained by the Information Commissioner. Our data protection registration number is Z5661196.
What is personal data?
Personal data is defined as information that relates to a living individual who can be identified directly or indirectly by that data.
Personal data will therefore cover at least details such as name, address, telephone number and date of birth. It can also include transactional data where it can be linked directly or indirectly to an individual
How we use your personal data
Your personal data will be stored and used only for the purposes outlined by the Data Controller, which is predominantly to enable the collection of an outstanding balance owed by you to the creditor. It may also be combined with other data relating to you and which we may obtain from third parties, where it is deemed necessary for verifying the accuracy of the data and/or for the purposes of collecting the outstanding balance.
In this respect, we may access third party data sources and combine and process data from those sources with your personal data. Such third party data sources may include the Land Registry, credit reference agencies (CRAs), registers of court judgments, bankruptcies, postcode lookup databases and telephone number verification databases.
Use also includes:
- where you have requested information or asked us to contact you, we may use your personal information to gather the information requested and respond to your request or to contact you if you have asked us to do so;
- to process payments you have made. For example, we will apply this to your account to reduce the outstanding balance;
- to provide you with a helpful and effective service and to assess such service provision;
- to locate the new address of customers who have moved;
- to fulfil our obligations to our clients/your creditor, for example we may provide them with details of your payment history, account usage, changes of name and address;
- if you provide us with your email address, we may use it to contact you about your account;
- if we have (or believe we have) a duty to do so, or the law allows us to;
- if you apply to work for us, we will use the information supplied to us to process your application and to monitor recruitment statistics. Where we want to disclose information to a third party, for example if we want to take up a reference or obtain a disclosure from the Credit Reference Bureau, we will not do so without informing you beforehand unless the disclosure is required by law.
- Telephone conversations are recorded in order to offer you additional security, resolve complaints and improve our quality and service standards. Conversations may also be recorded for training purposes.
We will endeavour to keep your information accurate and up to date and not keep it for longer than is necessary. The period of time this data is held is determined by our clients as the Data Controller of your personal information
Information we collect from you via our website
We do not automatically collect personal information from you through our Website. However, like all websites our servers automatically collect certain information about the volume and characteristics of our Website traffic, the type of browser you are using, the type of operating system you are using, and the domain name of your internet service provider. We cannot identify you from this information.
We will only collect personal information about you through our Website if you choose to provide this to us, for example by completing forms on various sections of our Website, such as by submitting an enquiry via our Contact Us form, completing the online budget calculator, by making a payment via the ‘pay online now’ page or by accessing the paywescot.co.uk™ site, or by emailing us directly. If you make a payment via our ‘pay online now’ page, we will ask you to provide personal information including but not limited to the Wescot reference number to which the payment relates, the cardholders name and address, card details such as card number, valid from and expiry date, issue number and security number, as well as the payment value.
We may also record any telephone numbers and email addresses you provide in order for us to contact you from time to time for the purposes set out in this policy.
Cookies are small pieces of information sent by a web server (such as that used to run this Website) to your computer, which are then stored on the computer hard drive. Although cookies contain identifying information, they do not contain any information that identifies you personally, but they allow us to recognise you when you return to our Website.
If you do not want to accept a cookie when you visit our Website, you should be able to change the settings in your browser to disable this function, but there might be sections of the Website that you are unable to access.
Security of personal information
We take the security and disclosure of personal information very seriously and the data that we collect from you will be held securely within the UK.
We are mindful of the importance of upholding the security of information under our control. All data collected through this Website that is stored electronically, is stored on secure servers, and we have stringent security and confidentiality procedures covering the storage and disclosure of such information, in accordance with the Data Protection Act. Any payment transactions will be encrypted using SSL technology. We employ security measures to protect your information from access by unauthorised persons and against unlawful processing, accidental loss, destruction and damage.
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, any transmission is at your own risk.
Changes to our policy
We reserve the right to amend this policy from time to time and, if we do so, your continued use of the Website will be taken as acceptance of any such change. You should check this page from time to time to take notice of any changes made to this policy.
Some websites that have links to and from our website from time to time may collect personal information about you when you access or utilise those links. We do not control the collection or use of such information, and the practices of those websites are not covered by this policy. Some websites that have links to and from our website from time to time may also use their own cookies. We have no access to, or control over these cookies, and you are advised to check the cookie policies on such other websites.
Right to information
Right of access
You have the right to see the personal data (as defined in the Data Protection Act) that we keep about you. To request this information you should write directly to the Data Controller (i.e. the creditor/the firm to who the debt is directly owed) who will arrange for all personal data to be provided, including that held by Wescot.
As Wescot Credit Services administer your account on behalf of the creditor we are therefore the data processor. Our client/the creditor remains the data controller and the overall responsibility for your data remains with them, as they determine the purposes for and the manner in which your personal data is processed regarding this account.
As such if you write directly to Wescot we must forward your request to our client as the Data Controller for them to arrange for all associated information to be sent to you.
Please note both Wescot and the Data Controller reserve the right to request proof of your identity before supplying any information, so as to protect your data being shared with unauthorised 3rd parties.
Once the Data Controller has confirmed your identity they have 30 days to provide you with the information requested, therefore to avoid delay all subject access requests should be sent directly to the firm who your account is still owned by as per above.
Right not to be subject to profiling or automated decision-making
Wescot does not undertake profiling or automated decision-making.
Right to object to processing
You, as a data subject, have the right to object to Wescot processing your data if the processing in question is an unwarranted interference with your interests or rights. Please note as outlined above we do have a legal basis to process your data, being legitimate interests of a 3rd party to recover a debt due and legally owed. We therefore are able to process your data in order to do so, including for the purpose of making contact with you to understand your current situation and to recover the amount owed by agreeing an affordable and sustainable way for you to repay the debt. Our processing should not therefore have any unwarranted impact on you
If you still believe you have a valid and justifiable reason to exercise this right you must write to us at the address outlined below explaining why you believe Wescot’s processing activities constitute an unwarranted interference with your interests or rights.
Following this, we will confirm in writing whether we agree with your claim. Please note, as outlined under section 1 above, we have a clear and lawful basis for processing personal data, this is because the processing is necessary for the legitimate interests of a third party (our clients) to whom a debt is due and legally owed, therefore unfounded claims will be rejected.
Should you have a genuine reason to dispute the validity of the debt you should phone us on 01482 590 500 so we can discuss the matter and investigate further
Rights to rectification and erasure
You have the right to question any information we have about you that you think is wrong or incomplete. Please write to us if you think this is the case and we will take check the accuracy of the data and correct it if so:
Customer Relations Department
Wescot Credit Services Limited
PO Box 137