Privacy policy

We may as a result of your interaction with the Website store and process your information on MEM Consumer Finance Limited’s (MEM) computers and in any other way.  By "your information" we mean personal and financial information we (a) obtain from you or from third parties, such as credit reference agencies (who may search the Electoral Register), fraud prevention agencies or other organisations when you apply for an account or any other product or service or which you or they give to us at any other time or (b) learn from the way you use and manage your account(s), from your transactions and from the payments made to your account.

We will use your information to manage your account(s), give you statements and provide our services, for research, assessment and analysis (including credit and/or behaviour scoring, market and product analysis) and to develop and improve our services to you and other customers and protect our interests.

1. People who provide a service to us or are acting as our agents, on the understanding that they will keep the information confidential.  If they are located in another country we will make sure that they agree to apply the same levels of protection as we are required to apply to information held in the UK and to use your information only for the purpose of providing the service to us;
2. Anyone to whom we transfer or may transfer our rights and duties under this agreement.
3. We may also give out information about you if we have a duty to do so or if the law allows us to do so.

When you apply for a product or service you confirm that all the information you have given is true and complete. When you apply for a product or service you authorise us to check the following records about you and others (see below); a) our own; b) those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information. c) those at fraud prevention agencies (FPAs).

We will make checks such as; assessing this application for credit and we may also make periodic searches at CRAs and FPAs to manage your account with us.

If you tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.

If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.

Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

Checking details on applications for credit and credit related or other facilities

Managing credit and credit related accounts or facilities

Recovering debt

Checking details on proposals and claims for all types of insurance

Checking details of job applicants and employees

We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.

This is a condensed version and if you would like to read the full details of how your data may be used, or if you want to receive details of the relevant FPAs write to our Customer Relations Department,

MEM Consumer Finance Limited, PO BOX 255, Bicester, Oxon, OX26 4ZY.

You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.

CallCredit, Consumer Services, PO Box 491, Leeds, LS3 1WZ or call 0870 060 1414 or log on to www.callcredit.co.uk

Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk

Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0870 241 6212 or log on to www.experian.co.uk.

We use cookies to help us analyse traffic on our site and customer behaviour. Cookies may also be used by our partners to understand marketing and traffic patterns. During the course of any visit to Payday UK, the pages you see, along with a cookie, are downloaded to your computer. Any information that is supplied by cookies can help us to provide you with a better service and assists us in analysing the profile of our visitors.

Most web browsers automatically accept cookies, but normally you can alter your browser settings to prevent automatic acceptance, if you prefer. If you opt not to receive our cookies, we cannot guarantee that your experience with our website will be as quick or responsive as if you do receive cookies.

We do not store passwords or any other information about a visitor in a cookie that could identify them, their location, their preferences or their financial activity.

How to find and control your cookies

If you're using Internet Explorer 6.0 or 7.0:

1. Choose Tools, then
2. Internet Options
3. Click the Privacy tab
4. Click on the 'Advanced' button
5. Check the 'Override automatic cookie handing' box and select Accept, Block or Prompt for action as appropriate.

If you're using Mozilla Firefox:

1. Choose Tools, then
2. Options...
3. Privacy
4. Cookies
5. Set your options as required

If you're using Opera 8+:

1. Choose Tools, then
2. Preferences
3. Advanced
4. Select Cookies
5. Select your settings using the available options

If you're using Safari:

1. Choose Safari, then
2. Preferences
3. Security
4. Select options by Accept Cookies as required.

How do you know which of the sites you've visited use cookies?

If you're using Internet Explorer:

1. Choose Tools, then
2. Internet Options
3. Click the General tab
4. Click Settings
5. View Files.

If you're using Mozilla Firefox:

1. Choose Tools, then
2. Options...
3. Privacy
4. Cookies
5. Click the Show Cookies button.

If you're using Opera 8+:

1. Choose Tools, then
2. Advanced
3. Click Cookies.

If you're using Safari:

1. Choose Safari, then
2. Preferences
3. Security
4. Click Show Cookies button.

Just click on a cookie to open it. You'll see a short string of text and numbers. The numbers are your identification card, which can only be seen by the server that gave you the cookie.