The products and services featured are only available to residents of the United Kingdom aged over 18 and are subject to status. By accessing and using this website you are agreeing to our Conditions of Use and Privacy statement.

If users have questions regarding our policies please contact us by e-mailing webmaster@centraltrust.co.uk

Telephone calls may be recorded for training and security purposes.

Company Information

Central Capital Limited
Registered in Guernsey Number 37613
Registered Office: 1 Le Marchant Street, St Peter Port, GY1 4HP.

A full list of trading styles is available on request

Central Capital has appointed:

	Central Loans Limited to manage secured loan applications; Central Sales Limited to manage introducer relationships affinity marketing relationships.

Central Capital;
Is a member of the Direct Marketing Association
Is a member of the Finance Industry Standards Association (FISA) and subscribes to their code of practice.
Is a licensed credit broker under the Consumer Credit Act 1974. Licence Number 498779
Is a wholly owned subsidiary of Central Trust PLC.
Is an appointed representative of Central Trust PLC which is authorised and regulated by the Financial Services Authority.
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Central Credit Limited
Registered in England: 5636844
Registered Office: Austin House, Stannard Place, St Crispins Road, NR3 1PX.
Is a licensed credit broker under the Consumer Credit Act 1974. Licence number 579426
Is a wholly owned subsidiary of Central Trust PLC
Is an appointed representative of Central Trust PLC which is authorised and regulated by the Financial Services Authority.
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Central Homeloans Limited
Registered in England: 5450378
Registered Office: Austin House, Stannard Place, St Crispins Road, NR3 1PX.
Is a licensed credit broker under the Consumer Credit Act 1974. Licence number 575267
Is a wholly owned subsidiary of Central Trust PLC
Central Homeloans Limited is authorised and regulated by the Financial Services Authority
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Central IVA Processing Limited
Registered in England: 4323119
Registered Office: Austin House, Stannard Place, St Crispins Road, NR3 1PX.
Is the Consumer Credit Act 1974. Licence number 515122
Is a wholly owned subsidiary of Central Trust PLC
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Central Lending Limited
Registered in England: 5602658
Registered Office: Austin House, Stannard Place, St Crispins Road, NR3 1PX.
Is a licensed credit broker under the Consumer Credit Act 1974. Licence number: 578860
Is a wholly owned subsidiary of Central Trust PLC
Is an appointed representative of Central Trust PLC which is authorised and regulated by the Financial Services Authority
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Central Loans Limited
Registered in England 4205508
Registered Office: Austin House, Stannard Place, St Crispins Road, NR3 1PX.
Is a member of the Finance Industry Standards Association (FISA) and subscribes to their code of practice.
Is a licensed credit broker under the Consumer Credit Act 1974. Licence number 505626
Is a wholly owned subsidiary of Central Trust PLC
Is an appointed representative of Central Trust PLC which is authorised and regulated by the Financial Services Authority.
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Central Mortgages Limited
Registered in England 3830494
Registered Office: Austin House, Stannard Place, St Crispins Road, NR3 1PX.
Is a licensed credit broker under the Consumer Credit Act 1974. Licence number 499757
Is a wholly owned subsidiary of Central Trust PLC
Is an appointed representative of Central Trust PLC which is authorised and regulated by the Financial Services Authority.
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Central Sales Limited
Registered in England 4330206
Registered Office: Central Trust PLC, Austin House, Stannard Place, St Crispins Road, NR3 1PX.
Is a licensed credit broker under the Consumer Credit Act 1974. Licence number 515118
Is a wholly owned subsidiary of Central Trust PLC
Is an appointed representative of Central Trust PLC which is authorised and regulated by the Financial Services Authority.
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Central Trust PLC
Registered in England 2168047
Registered Office: Austin House, Stannard Place, St Crispins Road, NR3 1PX.
Is a member of the Finance Industry Standards Association (FISA) and subscribes to their code of practice.
Is a licensed credit broker under the Consumer Credit Act 1974. Licence number 228100
Authorised and regulated by the Financial Services Authority.
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Company VAT Information

Central Capital Limited VAT number 855 9206 00 Central Credit Limited VAT number 765 3535 12 Central Homeloans Limited VAT number 765 3535 12 Central IVA Processing Limited VAT number 765 3535 12 Central Lending Limited VAT number 765 3535 12 Central Loans Limited VAT number 765 3535 12 Central Mortgages Limited VAT number 765 3535 12 Central Sales Limited VAT number 765 3535 12 Central Trust PLC VAT number 765 3535 12

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Your Personal Information

We will treat all your information as private and confidential (even when you are no longer a client) except where we are permitted by law or where the disclosure is made at your request or with your consent in relation to arranging your loan or mortgage. Where your application has been introduced by a third party, for example another broker, we may disclose information concerning the progress of your application to them. We will be pleased to confirm if this is the case.

We will store the information about you on computer and in other records. We will only use this information for the purposes registered under the Data Protection Act 1998, and where appropriate the Data Protection (Bailiwick of Guernsey) Law 2001. This may include sharing your information with other companies in the Central Trust PLC Group.

Further information regarding data protection will be provided by us with any loan documentation that may be sent to you.

Should you have any questions or comments regarding our data protection policy or any matter referred to in our policy please contact the Data Protection Officer below.

You have the right of access to your personal records upon request to the Data Protection Officer.

Data Protection Officer
Central Trust PLC Group
FREEPOST NAT4964
Norwich, NR3 1YW
E-mail: dataprotectionofficer@centraltrust.co.uk
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Future Marketing
Unless you advise us to the contrary, both we and any other broker or lender we refer your application to may contact you by letter, e-mail or fax to offer other products which they feel may be of interest to you.
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If you do not wish to be contacted by companies in the Central Trust PLC Group offering other products which we think may be of interest to you please write to the Data Protection Officer as above, or e-mail your name and address (including postcode) to unsubscribe@centraltrust.co.uk

Information Collection and Use
We are the sole owner of the information collected. We collect information from our users at several different points on our site.
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Application Form
We may request information from you on our application form. A user must provide contact information (such as name, email address, home address etc) and in some cases, financial information (such as loan amounts, outstanding credit balances etc). This information is used in consideration of your loan application. We use the information to contact you regarding your application.

Cookies, Log Files, Clear Gifs We store information that we collect through cookies, log files, clear gif's, and/or third parties to create a profile of our users. A profile is stored information that we keep on individual users. We do not share your profile or personally identifiable information with any third party outside of the Central Trust PLC Group of Companies.
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Cookies
A cookie is a piece of data stored on the users computer tied to information about the user. We use session ID cookies only; once users close the browser, the cookie simply terminates.
By setting a cookie on our site, we allocate each visitor a Unique Reference which follows them throughout the site. This Unique Reference is logged along with referring domain information and just your email address only in the event you make a loan application. If you do not make a loan application, only your referring domain information is stored.

If you wish to prevent the use of cookies please refer to your browser help facility. Further information regarding cookies can be found at www.allaboutcookies.org

Log Files
Like most standard web site servers, we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider(ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyse trends, administer the site, track users movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc are not linked to personally identifiable information.

Clear Gifs (Web beacons/Web bugs)
On occasion, we employ a software technology called clear gifs that help us monitor the effectiveness on certain marketing and advertising which we do across the internet. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users.

Sharing Aggregate Information
We do not share aggregated information with our partners and advertisers.
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Third Party Advertisers
We share web site usage information about users with a reputable third party for the purpose of targeting our Internet banner advertisements across the internet. The information we may share with them is not personally identifiable in any way to any of our users.
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Links
This web site may contain links to other sites from time to time. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this web site.
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Notification of Changes
If we decide to change our privacy policy, we will post those changes to this privacy statement and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected.
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If however, we are going to use users personally identifiable information in a manner different from that stated at the time of collection, we will notify users via email. Users will have a choice as to whether or not we use their information in this different manner. However, if users have opted out of all communication with the site, then they will not be contacted, nor will their personal information be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a notice on our web site notifying users of the change.

Credit Searches
We will make searches about you at credit reference agencies who will supply us with credit information, as well as information from the Electoral Register.
The agencies will record details of the search whether or not this application proceeds. We may use credit-scoring methods to assess this application and to verify your identity.
Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially may be used by us and other companies of The Central Trust PLC Group.
Other companies may use the record of searches and any other information provided to the agencies if credit decisions are made about you, or other members of your household. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account.
To prevent or detect fraud, or to assist in verifying your identity, we may make searches of Group records and at fraud prevention agencies who will supply us with information. We may also pass information to financial and other organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this.
We, members of the Group, and other companies may use this information if decisions are made about you or others at your address(es) on credit or credit-related services.

By stating a financial association with another party, you are also declaring that you are entitled to
disclose information about your joint applicant and/or anyone else referred to by you authorise us to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you.

Where you borrow or may borrow from us, we may give details of your account and how you manage it to credit reference agencies.
If you borrow and do not repay in full and on time, we may tell credit reference agencies who will record the outstanding debt.
Additional searches may be made by lenders to whom your application is referred and further searches may be required if our initial searches become out of date.
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Complaints

What happens if things go wrong?
You should find your dealings with us to be prompt, efficient and friendly. Our aim is to provide you with a world class, professional and confidential service. If you have a complaint about any aspect of the service you have received our staff will be happy to help resolve your concerns.

We recommend that you bring your concerns to our attention as soon as possible - the sooner we know about it the sooner that we can resolve it.

We have formal complaints procedures to ensure that your complaint is handled quickly, fairly and efficiently; a leaflet with details of this process is available on request.

On receipt of your complaint (whether received by telephone, letter, e-mail or fax) the matters raised will be investigated by an independent Senior Manager within the company.

Should it be necessary to obtain information from third parties to further these investigations, you will be informed of this and where appropriate your written authority obtained before any disclosures being made by us to third parties.
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For further information or to make a complaint please contact:
Legal & Compliance Director
Central Trust PLC
Austin House
Stannard Place
St Crispins Road
NR3 1PX
Tel: 01603 832500

If we are unable to resolve your complaint to your satisfaction you may have the right to refer your complaint to the Financial Ombudsman Service. Our staff will assist you with this. Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Tel: 0845 080 1800
Web site: www.financial-ombudsman.org.uk
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