LUV Financial Solutions are a company registered and incorporated within the UK, (company number 08350789) our registered address is 11B Olympic Park, Olympic Way, Warrington, WA2 0YL. We act as a vehicle and asset finance broker and are authorised and regulated by the Financial Conduct Authority, FRN 631264. We trade under the following trading names – LuvCarLoans, Luv Asset Finance, CarBuyBye, Europa Car Credit, Nationwide Car Credit, Luv Lady Finance, Fund and Find my Car, LUV Motor Finance, LMF, LUV Group, LUV Motorbike Loans (“we”, “us” or “our”). ICO Number: ZA032449
For a consumer or business submitting an application to us, we want you to fully understand how your information is going to be used, and ensure we have your consent. Our team is on hand to answer any questions as to how your information will be stored and used. Consent is the lawful basis’ in which we process your personal data.
The GDPR provides the following rights for individuals:
- The right to be informed
- The right of access
- The right to rectification
- The right to erasure
- The right to restrict processing
- The right to data portability
- The right to object
- Rights in relation to automated decision making and profiling.
If at any time you wish to exercise your rights as a consumer, contact us on the details listed below.
Information we collect
We may collect the following information in order to process your application:
- Name Address history (3 years) ●Employment and Income information
- Date of birth Licence information ● Bank account information
- Marital Status Marketing preferences ● IP information
- Company information Name ● Address history (3 years)
- Date of birth Bank account information ● Employment and Income information
- Marketing preferences IP information
How your information is used
We will use personal information and information we obtain from other sources for dealing with enquiries, administration and customer services considering and processing applications for our products and/or services, for marketing, for credit searches and to ensure that the content, services and advertising that we offer are tailored to your needs and interests. We may share applicant’s information with service providers and agents for these purposes.
In assessing an application for credit, to prevent fraud, to check identify and to prevent money laundering, we may (i) search the files of credit reference agencies Equifax and/or Experian (or any other credit reference agency that we may use from time to time) who will record any credit searches on consumer files; (ii) check consumer details with CIFAS (or any other fraud prevention agency from time to time; and (iii) disclose details of how an account is conducted with such agencies.
All calls are recorded, and communications monitored for compliance purposes.
information we recommend contacting Equifax or Experian on the below details –
Equifax – https://www.equifax.co.uk/Contact-us/Contact_Us_Personal_Solutions.html
Experian – https://www.experian.co.uk/contact-us/index.html
As a LUV dealer, we keep your information on our dealer portal, such as information about yourselves and the customers you have sent over to us.
Who your information is shared with?
Advantage Finance Limited – https://www.advantage-finance.co.uk/home/privacy.asp
1st Stop Group Limited – https://www.1ststop.co.uk/privacy-policy/
Moneybarn No1 Limited – https://www.moneybarn.com/privacy-policy/
Oodle Financial Services Limited – https://oodlecarfinance.com/privacy-policy/
Specialist Motor Finance Limited – https://www.smfmotor.com/privacy-policy/
Marsh Finance Limited – http://www.marshfinance.com/privacy/
Premium Plan Limited – http://www.premiumplan.co.uk/privacy-policy/
Santander Consumer (UK) PLC – https://www.santanderconsumer.co.uk/wp-content/uploads/scuk_fpn.pdf
Retail Money Market Limited – https://www.ratesetter.com/privacy
Amigo Loans Ltd – https://www.amigoloans.co.uk/privacy-policy
Motonovo Finance Ltd – https://customer.motonovofinance.com/privacy
Private & Commercial Finance Group PLC – https://pcf.bank/privacy/
United Trust Bank Ltd – https://www.utbank.co.uk/privacy-notice
Close Brothers Limited, – https://www.closemotorfinance.co.uk/privacy-policy
Go Car Credit Limited – https://gocarcredit.co.uk/privacy-notice-dealer/
Concept Car Credit Limited – https://www.conceptcarcredit.co.uk/privacy-policy/
Hitachi Capital (UK) PLC – https://www.hitachicapital.co.uk/hcbf-privacy-notice/
Shawbrook Bank Limited – https://www.shawbrook.co.uk/privacy-notice/
Hampshire Trust Bank PLC – https://www.htb.co.uk/policies
Metro Bank PLC – https://www.metrobankonline.co.uk/about-us/privacy-and-security/
Lloyds Bank PLC – https://www.lloydsbank.com/help-guidance/customer-support/privacy
Capex Asset Finance Ltd – https://capexfinance.co.uk/privacy-policy/
Deutsche Leasing UK Limited – https://www.deutsche-leasing.com/en/footer-en/privacy-statement
Haydock Finance Ltd – https://haydockfinance.co.uk/
Investec Bank PLC – https://www.investec.com/en_gb/legal/privacy-policy.html
Macquerie Group Limited – https://www.macquarie.com/uk/about/disclosures/privacy-and-cookies
Nucleus Commercial Finance – https://nucleusfinancial.com/privacy-policy
Davenham Group PLC – http://www.davenhamassetfinance.co.uk/davenham-asset-finance-privacy-notice.html
Quantum Funding Limited – https://www.investec.com/en_gb/legal/UK/data-protection-notice/quantum-funding.html
Rivers Leasing PLC – https://www.riversleasing.com/information/privacy-policy.aspx
Genesis Asset Finance Ltd – http://www.genesisassetfinance.co.uk/privacy-policy/
Santander UK PLC – https://www.santander.co.uk/
Kingsley Asset Finance Ltd – https://www.kingsleyassetfinance.co.uk/privacy-policy
Kingsway Finance & Leasing PLC – http://www.kingswayfinance.co.uk/privacynotice/
Asset Advantage Ltd – https://www.assetadvantage.co.uk/privacy-policy/
Bradgate Business Finance Ltd – http://www.bradgatefinance.co.uk/
Clear Asset Finance Ltd – https://www.clearaf.com/privacypolicy
Praetura Commercial Finance Ltd – http://www.praeturaaf.com/privacy-policy/
Ultimate Asset Finance Ltd – https://www.ultimatefinance.co.uk/legals/#PrivacyPolicy
Watts Commercial Finance Ltd – http://watts-commercial.co.uk/contact/privacy-notice/
Aldermore Bank PLC – https://www.aldermore.co.uk/legal/privacy-policy/
Wesleyan Bank Ltd – https://www.wesleyan.co.uk/privacy/
County Asset Finance Ltd – https://countyfinancegroup.co.uk/privacy-policy/
Amicus Capital Consulting LLP – https://amicusassetfinance.co.uk/privacy-and-cookies
Arkle Finance Ltd – https://www.arklefinance.co.uk/privacy-policy
Bibby Financial Services Ltd – https://www.bibbyfinancialservices.com/footer/privacy-notice
Liberty Leasing Ltd – https://www.libertyleasing.co.uk/privacy/
Development Bank of Wales PLC – https://fwcapital.co.uk/privacy-policy
ESME Loans Ltd – https://esmeloans.com/privacy
Edinburgh Alternative Finance Ltd – https://www.lendingcrowd.com/policy
Iwoca Ltd – https://www.iwoca.co.uk/privacy-policy/
Funding Circle Ltd – https://www.fundingcircle.com/uk/legal/privacy-policy/
Carrick Asset Finance Ltd – https://www.carrickfinance.com/privacy-policy/
Paragon Bank PLC – https://www.paragonbank.co.uk/data-protection
SpotCap UK Ltd – https://www.spotcap.co.uk/privacy-policy-gdpr/
Dealtrak Limited – https://www.dealtrak.co.uk/privacy-policy
Hexel Development Limited – http://www.hexel.net/privacy_policy
Converj Limited – http://converj.co.uk/about-us
Blue Owl Network Limited – https://www.autoconvert.co.uk/privacy-policy/
Aspire Money Ltd – https://www.aspiremoney.co.uk/Legal
In order to complete an application, some of the details you have supplied us with may need to be passed to a supplier for the purpose of arranging your finance, vehicle and documentation, or handling a complaint. We will never share details that aren’t necessary to this purpose.
*Please note that if required, we may have to share your information for regulatory or legal purposes. *
How long will we keep your information?
We are required to keep your information for as long as is necessary for the purpose of which it was obtained.
From the date you apply for finance your information will be stored for 6 years.
How will it be stored?
Information will be stored securely on our systems; we will ensure that appropriate security and protection systems are in place to secure your data to the highest level.
Email: [email protected] Phone: 01925818284 Post: 11B Olympic Park, Olympic Way, Warrington, WA2 0YL
The Information Commissions Office is the body in the UK which protects data. Should you wish to contact them please use the below information –
Phone: 0303 123 1113 Online: https://ico.org.uk/global/contact-us/
**Please note that this policy can be updated at any time in order to transparently reflect our business activities. **
Customer Complaints Handling Procedure
If you have a complaint relating to our company, then we want to hear about it and we will do our best to put it right.
As a business, which provides financial services, we have in place and operate a strict procedure to handle any complaints our business may receive. If you feel you need to make a complaint, please contact us at Luv financial solutions Ltd, 11b Olympic Park, Olympic Way, Warrington, WA2 0YL or by telephone on 0800 014 9445, Alternatively, please email [email protected]
Once we receive your complaint we will try to resolve it at the earliest opportunity and in most cases, we will respond within 3 working days; however, we must make you aware that we have a maximum of eight weeks from the date a complaint is received by us to issue you, as the complainant, a final response.
This final response will:
• Give a summary of the complaint, setting out the outcome of our investigation and our final view on the issues raised. • State whether we acknowledge there has been a fault on the part of our business • Give details of any offer to settle the complaint if deemed necessary • Explain your right as a consumer to refer your complaint to the Financial Ombudsman Service if you are unhappy with our response.
If we require more time to investigate a complaint, we will contact you within the eight-week period to inform you of this and ask for your agreement to extend to this period. A final response will then be sent to you by the conclusion of the agreed time extension.
In the event that you are unhappy with our final response, you have the right as a consumer to refer the matter to the Financial Ombudsman Service with six months of the initial complaint.
Contacting the Ombudsman Service
Financial Ombudsman Service Exchange Tower, London, E14 9SR
Telephone number for consumers 0300 123 9123