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When you apply for a decision in principle, you provide us with relevant personal information for your
application. If you are applying in joint names you will be asked to confirm you have consent to make an application
from any joint applicant who is not present, and that you will share with them the details of what you have agreed
to on their behalf. You must ensure that you provide accurate information on behalf of your joint applicant(s).
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| | We will carry out a search through a credit reference agency who keep a record of the search. This search
includes a check on the electoral register.
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| | If you are applying in joint names, the credit reference search will create a link between you and your
joint applicant in the records at the credit reference agency. This means your financial affairs and those of your
joint applicant may be treated as affecting each other.
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| | We use automated decision making systems to help make lending decisions, and manage borrowing. These
enable us to calculate the level of risk based on the personal details you provide and the information we obtain
from others, such as a credit reference agency. In addition, we have policy rules to determine whether we will lend.
These rules reflect our lending experience and requirements. If you would like to know more, please refer to our
Guide to Credit Scoring below.
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| | We may also carry out searches using fraud prevention agencies, so it is important that you provide accurate
information. If you provide false or inaccurate information or we suspect fraud then we may pass details to the fraud
prevention agencies and other relevant organisations. Law enforcement agencies may access and use this information.
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| | We and other organisations may use credit reference agency records about you and people financially linked
to you, and may also use records about you and others held with fraud prevention agencies to help make decisions:
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| | We and other organisations may access and use from other countries the information recorded by fraud prevention
agencies.
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| | If you ask, we will tell you which credit reference and fraud prevention agencies we have used so that you
can get a copy of your details from them.
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| | C&G is part of the Lloyds TSB group of companies which also includes all companies with the Lloyds TSB
name and Scottish Widows plc and their associated companies.
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| | We may keep your personal details given to us by you or other people during your relationship with us and
other companies in our group* in a Lloyds TSB database. This includes details you give on application forms and
during interviews, our analysis of your account transactions, and what we know from operating your accounts. Companies
in the Lloyds TSB group may use and update this centrally held information to provide you with services, to identify
products and services which might be suitable for you, to assess lending and insurance risks, to recover debts, to
prevent and detect fraud, and to update their own records about you. Your information may also be used for research and
statistical analysis with the aim of improving our services.
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| | We may apply, at any time, to your current and previous employers, your accountant, landlord, lender, bank
or insurance and/or pension company to obtain references, details of your existing financial commitments and any other
information we require to assess or review lending risks, to recover debts and to prevent or detect fraud. Your consent
for these references continues to apply after you open your account. We may apply to your solicitor for information
relating to the work they do on your behalf in respect of the mortgage or purchase transaction.
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| | Anyone aged 17 or older, who will be living in the property and who is not an applicant, will be required to
complete C&G's Occupiers Waiver and Postponement form. This form will be sent to your solicitor or licensed
conveyancer with their instructions.
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| | We may provide details about your application to insurance companies in connection with any insurances
arranged by us. You agree that information about this application may be given to Insurance Database Services Ltd
(IDS Ltd) so that it can be made available to other insurers. You also agree that, in response to any search made
in connection with this application or any insurance claim, IDS Ltd may pass to us and/or your insurer information
which it has received from other insurers about any claims you have previously made.
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| | If you have an existing C&G mortgage and apply for a further advance, we may disclose details of your
agreements with us and our valuation of the property to anyone who has notified us that they have a second charge, to
obtain a postponement of their charge in our favour.
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