What personal data will we need to collect?

To be able to provide our services we will need to collect certain categories of personal data. This will include:

• Contact details – so that we can regularly contact you where we need to and update you about your application for a Debt Relief Order
• Your financial situation – such as your income and expenditure, who you owe money to, your property and any assets, your employment, living arrangements and financial dependents, so we can advise you and confirm your eligibility for a DRO, and complete and submit your application.
• Special personal information – only with your permission and where this is relevant to your financial situation and your application for a DRO, or where we have a legal right to do so.

This is required to enable a DRO to be entered into and to fulfil our contractual obligations with you, and to fulfil our legal and regulatory obligations.

With your permission, we may obtain and use information from your credit file to confirm certain information, including about your lenders, balances, account numbers, your account, address and insolvency history and details of judgments made against you (e.g. CCJs). Your credit file data will be provided by Callcredit Limited (trading as TransUnion), subject to passing their authentication process. For more information about how TransUnion uses and shares your credit file information, please click here.

Who will the data be shared with?

We will share your information with the Official Receiver.

If your application for a DRO is accepted by the Official Receiver, information about you and your DRO will appear in the publicly accessible Individual Insolvency Register maintained by the Insolvency Service.

Our regulators, such as the Insolvency Service, or authorising body may request certain information as part of supervising us. We would have a legal or regulatory obligation to provide this.

Your personal data may be shared with tracing agents where we have a legitimate interest to obtain up to date contact information to help us to continue to provide the services to you.

If you have provided your authority or we have a legitimate interest to do so, or where we may be legally entitled to, we will share information with credit reference agencies (CRAs) to obtain information about your financial history or your credit commitments.

For further information on how CRAs may use your personal information you can view the Credit Reference Agency Information Notice here or from the three main CRAs – TransUnion (formerly Callcredit); Equifax; and Experian.

How long will your data be stored for?

Your information will normally be kept for at least 6 Years from the date your DRO is approved. Telephone calls will be retained for at least 6 years from the date the call was made.

After this time, we will delete the information or anonymise the data so that it cannot be linked back to you.