In order to start your car finance claim, we will require the following from you:
1. Personal details:
This includes your first name, last name, current address, date of birth, and contact details.
Why we need these:
If you confirm you had car finance between 2014 and 2020 with one of the eligible lenders who used DCA, we will request your personal details to conduct a soft credit check to verify the car finance agreements you had with any of the 20 lenders confirmed to have used DCA between 2014 and 2020.
By using a soft credit check, we do not need the original finance agreement, reg numbers, agreement numbers, or your address history. The soft credit check does not affect your credit score.
What we do with the information you provide for the soft credit check:
- If we do not find any eligible car finance agreements, we do not store any of the information you provide. You can make a Demand Subject Access Request (DSAR) to us to confirm this.
- If you do have an eligible claim, we will store your data for no longer than the mandatory 6 years. We do not sell this data to 3rd parties (such as marketing companies), and we do not process your data for any purpose other than our FCA authorised claims management service.
2. Proof of ID:
If we find eligible agreements from the soft credit check, you will need to provide Proof of ID, in the form of a driver's licence or a passport.
Why we need this:
Providing ID means your assigned "no-win, no-fee" solicitor and your lender know that this is a legitimate, confirmed claim for compensation, and helps stop fraudulent claims being made in your name. It is also used by the law firms we refer your claim to for their compulsory KYC (Know Your Customer) and AML (Anti Money Laundering) checks.
What we do with your Proof of ID:
- If we do not find any eligible car finance agreements, we do not request your ID or store your data.
- If you do have an eligible claim, we will store your ID for no longer than 1 year. Your ID will be provided to the legal firm we refer your claim to, who will be required to provide it to your lender.
A note from our Director, Benjamin Snape.
"As a registered UK Business and a regulated firm by both the ICO and the FCA, I can assure you that your personal information and your documentation is secure. Any misuse of your data or identification documentation could result in:
- Legal action against us under the Fraud Act 2006, as well as offences under the Computer Misuse Act 1990, the Identity Cards Act 2006, or the Financial Services and Markets Act 2000. This could result in both civil and criminal charges.
- Regulatory penalties, fines and restrictions on Fairweather Group Ltd by the FCA and the ICO, ranging from £10,000 - £1m+.
If you have any concerns, please reach out to me through the team at claim.co.uk and I will personally discuss these with you."