We are Credit Style Limited (CSL)
CSL is part of the Bristow & Sutor Group of Companies and is based in the UK providing credit management, debt collection and debt litigation services to client businesses.
We are a joint Data Controller (DC) along with our client.
References in legal notices and elsewhere on our website to Credit Style means Credit Style Limited, its subsidiaries, affiliates and trading divisions.
We are registered as a Data Controller with the Information Commissioners Office (ICO) and our registration number is Z1040109.
Our registered address is: Credit Style Limited, 5 Rutland Court 161 Rutland Road, Sheffield, S3 9PP
The purpose of us processing your personal data (PD) is to recover an unpaid debt on behalf of our client.
This notice explains how we comply with the General Data Protection Regulations (GDPR) and the Data Protection Act 2018. You can find our client’s details, as well as directions on how to view their Privacy Notice detailing how and why they have processed your personal data on their website or by the original documentation that was provided to you by our client.
HOW WE COLLECT YOUR PERSONAL INFORMATION
We receive personal data about you from third parties.
Our client who is the owner of the debt and who chose to use the service we offer.
We may also request and obtain information from external credit reference agencies. In addition, we may also collect information from you or anyone who you give us authorisation to speak with (an appointed representative) By your use of our website From communications between us, such as via telephone calls, letters, emails, automated payment website, telephone payment line and discussions with our field agents.
CATEGORIES OF PERSONAL DATA
The personal data that we collect and receive from third parties, from yourself and your appointed representatives may include all the following:
Your name, address, date of birth, financial details (including bank account numbers and balances) email address, nationality, special needs, residency and property ownership vehicle registration number, telephone numbers, details of how the debt was accrued, your comments from calls or correspondence you have provided to us.
Please note we may combine personal data we receive from other sources with personal data you give to us and personal data we collect about you.
HOW WE USE YOUR PERSONAL DATA
The lawful bases for processing your personal data is that it is necessary for the legitimate interests of our client and ourselves to recover an outstanding debt.
All personal data CSL receive is processed in accordance with this privacy notice. We will use personal data held about you in the following ways;
- For debt collection purposes and to provide services to our client including to manage your account,
- To ensure that we can agree payment plans that are appropriate to your individual circumstances;
- To carry out our obligations to our client, who wish to use the service we offer in line with the terms and conditions of any original agreement.
We may also obtain information from credit references agencies to help locate you and to check/update your contact details.
WHO WE SHARE YOUR DATA WITH
We may share your data with the following organisations.
The British Parking Association(BPA), The International Parking Community (IPC), The Information Commissioners Office (ICO), The Credit Services Association (CSA), The Financial Ombudsman Service (FOS) and The Legal Ombudsman (LO) for the purpose of complaint investigation and resolution. Print and mail service providers for the purpose of contacting you by post. Email service providers for the purpose of responding to you once you have consented by email.
The Payment Processor for processing any online payments. Credit reference agents for the purpose of ensuring we are writing to you at your most recent correspondence address. The client who appointed us to collect the outstanding debt. Any other duly authorised sub-contractors.
We do not send or process any personal data outside of the UK and EU.
STORAGE AND SECURITY
We will not retain your information for longer than is necessary for the purposes outlined in this privacy notice and for up to 6 years in order to protect our position in the event of any legal disputes. This may be extended if disputes are ongoing. All information that you provide to us is stored on secure servers. CSL implement and maintain physical, electronic and procedural measures to protect the privacy of your personal and account data. These measures are reviewed on a regular basis.
In addition, we always seek to protect the privacy of your information when you visit our website. If you choose to send personal information to us (i.e. by clicking a Confirm/Send button) the information you supply will be sent and processed in a secure manner.
Your personal information will not be communicated to non-connected third parties (i.e. marketing or advertising companies), except where there is a direct link from this site to an external website and you choose to supply your information independently on those sites. Please observe the privacy notice and terms and conditions of external sites you may be directed to from this site. Remain vigilant when using your personal details on the internet.
SENSITIVE PERSONAL DATA/SPECIAL CATEGORY DATA
You may voluntarily give such personal data to us via telephone calls, letters or emails. This may involve CSL collecting and using sensitive personal data. We will only use this personal data for debt collection purposes and would only share such sensitive personal data with other members of CSL and our clients who need to be aware of such information for debt collection purposes only.
CREDIT REFERENCE AGENCIES
We may obtain personal data about you from the CRAs for debt collection purposes and to verify your identity and to locate you.
ACCESS TO PERSONAL DATA AND COMPLAINTS
Under data protection law, you have the following rights in respect of the information we hold about you:
You are entitled to access the information that we hold about you under the General Data Protection Regulations (GDPR). This process is commonly known as a Subject Access Request (SAR)
In order to protect your information, we request that you provide documentary evidence of your identity such as a photocopy or scan of the document (please do not send us the original document) Here are some examples of identification documents: your current passport, driving licence, V5 registration document, utility bill or a financial statement with any financial information redacted.
You are also entitled to make requests to us to exercise your additional rights under the General Data Protection Regulations (GDPR) that are listed below.
If you do not think that the personal data we hold about you is correct, or you think that we do not have all the information which we should have about you, you can request that we rectify this information
You can ask that we restrict the way that your data is used. This means that we will store your data securely, but it will not be processed anymore.
If you object to the way that we are processing your data, you can contact us to tell us why you think we should stop processing it.
Once we have finished processing your data you can request that we erase the personal data which we hold about you.
Once we have received your request for us to do any of the above, we will contact you within one calendar month either to confirm that we have carried out your request or with a written explanation of why we have not. In some cases, we will not have to process your request, or will not be able to. We will still contact you within 30 days to explain to you why this is the case.
If you wish to raise a complaint about how your data has been handled by CSL you can write to us at the following address:
The Data Protection Officer, Credit Style Limited, 5 Rutland Court 161 Rutland Road, Sheffield, S3 9PP
Or by email to:
If you are not satisfied with our resolution of your concern then please contact the Information Commissioner’s Office (ICO) on 0303 123 1113 or visit the ICO website at:
On some occasions CSL will not have to comply with every request that is made to us. This is because an exemption may exist, or the right does not apply to us (The right to data portability)
Please see this link to the ICO website for further guidance on your information rights:
Please note that the guidance from the Information Commissioners Office (ICO) website advises that you give the data controller (CSL) the opportunity to respond to you in writing via letter or email prior to you formally raising your concern with them.
Our website and our written responses to you may, from time to time, contain links to and from the websites of third parties. If you follow a link to any of these websites, please note that they may have their own privacy policies and that we do not accept any responsibility or liability for these policies or your use of those websites.
This means that all cookies set by Google Analytics cannot be altered or retrieved by any service on any domain other than Creditstyle.co.uk.
CHANGES TO OUR PRIVACY NOTICE
We keep our privacy notice under regular review, and we will place any updates on this web page. This privacy notice was last updated on 6th April 2021.