Cookies

What Are Cookies?

As is common practice with almost all professional websites this site uses cookies, which are tiny files that are downloaded to your computer, to improve your experience. This page describes what information they gather, how we use it and why we sometimes need to store these cookies. We will also share how you can prevent these cookies from being stored however this may downgrade or ‘break’ certain elements of the sites functionality.

For more general information on cookies see the Wikipedia article on HTTP Cookies.

How We Use Cookies

We use cookies for a variety of reasons detailed below. Unfortunately in most cases there are no industry standard options for disabling cookies without completely disabling the functionality and features they add to this site. It is recommended that you leave on all cookies if you are not sure whether you need them or not in case they are used to provide a service that you use.

Disabling Cookies

If you do not wish to accept cookies on to your machine you can disable them by adjusting the settings on your browser. However this will effect the functionality of the websites you visit. Details on how to remove or disable cookies for various browsers can be found here.

The Cookies We Set

When you submit data to through a form such as those found on contact pages or comment forms cookies may be set to remember your user details for future correspondence.

In order to provide you with a great experience on this site we provide the functionality to set your preferences for how this site runs when you use it. In order to remember your preferences we need to set cookies so that this information can be called whenever you interact with a page is affected by your preferences.

Third Party Cookies

In some special cases we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site.

This site uses Google Analytics which is one of the most widespread and trusted analytics solution on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.

For more information on Google Analytics cookies, see the official Google Analytics page.

From time to time we test new features and make subtle changes to the way that the site is delivered. When we are still testing new features these cookies may be used to ensure that you receive a consistent experience whilst on the site whilst ensuring we understand which optimisations our users appreciate the most.

We also use social media buttons and/or plugins on this site that allow you to connect with your social network in various ways. For these to work the following social media sites including; Facebook, Twitter, LinkedIn, Google, will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.

More Information

Hopefully that has clarified things for you and as was previously mentioned if there is something that you aren’t sure whether you need or not it’s usually safer to leave cookies enabled in case it does interact with one of the features you use on our site. However if you are still looking for more information, you can contact us through one of our preferred contact methods.


Personal information collected?

When conducting a mortgage application the information needed can be considerable especially when your situation is difficult. The mortgage brokers we pass you onto are experts in their field. From Bad credit advisers to self-employed, remortgage or buy-to-let. We therefore use the enquiry page to specifically understand your needs and introduce you to the right advisor who can deal with your circumstances.

Your personal information will be collated in a number of different ways from the variety of pages on our website. You will be directed to give accurate details of your credit history, personal details, deposit and annual income. More importantly we will collect contact information so we can contact you or the adviser dealing with your case. Information regarding any visits to the site by you and any resources you have used will also be collated.

The aim of this privacy policy is that personal data is effectively information about individuals which, alone, or in conjunction with other information held by us, is capable of identifying them. Servicing clients and other parties in the course of our business, we normally obtain personal data consisting of names, addresses (physical and electronic) and phone numbers.

You will know what details we are obtaining as you will be able to see whatever it is that we are requesting. If you contact us either through our website or outside of the website, a full record of that correspondence may be kept. We promise to always use any information given to us by you solely in a manner related in some way to the initial purpose for which it was given.

It is entirely your choice whether you want to provide us with any personal information. If you don’t choose to that is fine, however, we may not be able to assist you if our assistance is what you desire. When personal details are entered onto our website, they will be being entered within a secure online environment.

You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please email or write to us at the address listed near the top of this page. We will respond to any such request within one month of receipt but reserve the right to extend this timeframe by a further two months in complex or exceptional cases. Equally, whilst we will not generally charge for providing information, we reserve the right to charge a reasonable fee for the provision of information in exceptional circumstances, as appropriate.”


Where is your data stored?

Your data will never be stored in any location outside of the European Economics Area (EEA). Unfortunately, although highly unlikely, we could never guarantee that information sent to us via the Internet is 100% completely secure. Although we will always do our utmost to protect your personal information, it is not guaranteed. Any personal information is sent to us at your own risk. Once data is received we use strict procedures and take advantage of specific security features to attempt to avoid unauthorised access.


Sensitive Personal Data

The information you provide us with may on occasion contain sensitive personal data for the purposes of the act, being information as to your physical or mental health or condition; the committing or alleged committing of any offence by you; any proceeding for an offense committed or alleged to have been committed by you, including the outcome or sentence in such proceedings; your political opinions; religious or similar beliefs; sexual life; or your membership of a trade union.

If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact the Data Protection officer in writing at james@badcreditmortgagebrokers.co.uk

How your information is used

Badcreditmortgagebrokers.co.uk provides the specialist information for potential borrowers who are struggling to find finance. The market leading experts for these niche finance arrangements will be from different companies around the UK, and they are the experts that write most of the content on our site. We at Badcreditmortgagebrokers will not offer you the tailor-made mortgage advice ourselves, we put you in touch with one of these specialists and they advise you on the best lenders, products, services etc specific to you.

The information provided to us may be shared internally with employees of Badcreditmortgagebrokers in order to deal with your request in the most effective manner possible, and as outlined above, we will of course also share your information with the specific advisor we pass your enquiry on to.

By making an enquiry you agree to be passed onto one of these specialists who will contact you directly to discuss your enquiry further. These advisors are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. All enquiries are passed to carefully selected third party mortgage brokers to provide you with the best advice and recommendation, although we do have our own support team who will assist in the management of your enquiry to ensure you receive the best possible service.

We will not pass or sell your details to any third party firms purely for marketing purposes. Where we pass on your details to a third party company we will only do this if it makes explicit sense pertaining to your enquiry and those brokerages will only use your details to help you in the manner required. An example of the brokerage we work with is:

JBM Mortgage Brokers LTD – One of the specialist mortgage advisers on our panel who have extensive knowledge and expertise in wide variety of mortgage products.

You will be prompted on the enquiry form, pre-submission, to click on the Terms & Conditions and read our privacy policy, and you should only enquire once having read and agreed to these. The third party brokerage will outline their terms of business and privacy policy.

We like to maintain a strong and ongoing relationship with all of our visitors. By submitting an enquiry you also confirm you are happy for us to keep you up to date with new products, services, and for instance if you have been unsuccessful in obtaining a mortgage, we will provide you with critical market updates to keep you informed and help you obtain the finance you need ASAP. If you wish to stop this service then please email hello@Badcreditmortgagebrokers.co.uk with the subject title ‘STOP EMAILS’, from the email address you wish to be removed from record.

We will never share your data with anyone as we believe this totally unacceptable to do so with, whether inside or outside the company, unless we have your explicit consent to do so or are obliged to by law.


Complaints Procedure

Bad Credit Mortgage Brokers is committed to providing services to you of the highest standards providing you with a comprehensive guide of the mortgage world and introducing you to third party specialist brokerage companies. If you are not satisfied with our services or you think there a mistake with the content. Please contact us so we put things right, update any content and also improve the experience and services for other visitors.

Please follow our complaints procedure below so that we can pass your complaint to the right person and resolve things as quickly as possible:

Contact us via email

Email your compliant to us at complaints@badcreditmortgagebrokers.co.uk

Contact us via post

Write to us at our head office address

Complaints
16 Rugby Road
Resolven
Neath Port Talbot
Wales
SA11 4HH

Contact us via phone

07463738133

Please provide us with the following:

  • Your name, address, and phone number
  • A concise description of the complaint (with details of the people / procedure in question)
  • A description of how you would like us to put things right

We will do our best to handle your complaint immediately. However please be aware that as it can often take time to investigate the complaints to the highest standard. At Bad credit mortgage brokers we will aim to respond to your complaint in writing or email (if appropriate) within 5 working days of complaint received. We aim to fully resolve complaints within 4 weeks but if things take longer we will contact you to explain with an idea of when we will be able to get things resolved.

If you email we will reply via email, however we may also contact you by phone or post where necessary and appropriate.

If your complaint is about a broker

Bad Credit Mortgage Brokers accepts no responsibility for advice or services provided by any third parties, but if you have a compliant about one of the brokers we pass you to, we would still want to know about it! We can also bring the issue up on your behalf. We believe these complaints about brokers are serious. We want to make sure our visitors on badcreditmortgagebrokers.co.uk are treated fairly by any third parties we recommend to you. However we cannot be held responsible for the actions of another company and as such you will need to take the complaint up with them directly following their complaints procedure. This is usually first dealt with directly by them, or with the regulator and financial ombudsman.

Where the products are FCA regulated

The Financial Ombudsman Service can be asked to review your complaint. They handle disputes with financial firms, but will only deal with your complaint once you have tried and failed to resolve the issue direct with the third party frim in question.

How to contact the Financial Ombudsman Service

By post:
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR

Phone: 0800 023 4 567 or 0300 123 9 123 from a mobile
Website: www.financial-ombudsman.org.uk

Other products

Where complaints are relating to a non-regulated product such as Buy to let, there are no other official avenues than direct with the Third Party firms or via Trading Standards.