The FCA is investigating the use of discretionary commissions arrangements between motor finance providers and brokers. Credit Vibe Finance formerly MotaFinance Limited have never used discretionary commission arrangements, and therefore none of our customers are impacted.
Privacy Policy
Credit Vibe Finance is committed to respecting and protecting your personal data.
This policy applies to anyone who uses our products and services and our policy was last updated in December 2022.
As a controller we are responsible for your personal information and we have an assigned DPO (data protection officer) that reviews and oversees matters regarding your privacy.
As a customer you have legal rights and if you wish to exercise any of these then you can do so by contacting us via email at customerservice@creditvibefinance.co.uk or calling us on 0330 380 0681 where you can also leave a message if an advisor is not available to take you call.
We would always request that you contact us first so that we can help you and investigate any concerns that you have, however if you wish to complain about data protection directly to the ICO (Information commissioner’s office) who regulates the use of your data then you have the right to do so.
The information that we collect from you are things such as your name, address, phone number, email address and date of birth. This information is used to contact you, identify you and to complete any transactions for you.
Phone calls
We record our calls so that we can use them to improve our services that we provide you with. They help us to train our staff to ensure that we achieve the high standards that we expect from all our staff to ensure that you have the best journey. They also allow us to fully investigate complaints or disputes and do not have any impact on your rights.
You can always contact us by post or email if you do not wish to be recorded and we will be happy to communicate with you by these means.
Written communication
We use your contact details to communicate with by post or email and you can also contact us by these means. We treat all written communication with confidentiality, and any received by post is securely disposed of once it has served its purpose or been loaded onto a customer’s account.
Personal data is used for security and to ensure that we are compliant with the regulators as well as our obligations legally, it helps to investigate fraud as well as protect our property, ourselves and others.
Applications
If you are buying a car using Credit Vibe Finances services, then you need to be aware that we use third parties to confirm your identity as well as your credit eligibility. We ask you to confirm various details regarding your personal information such as name, address and contact details to confirm your current address, we also run checks to ensure that a loan is affordable for you as well as asking you to confirm that you hold a valid UK driving licence. We may run checks to confirm if you have any convictions on your licence and all applications are subject to these checks.
Third Parties
There are occasions when we will share personal information with third parties, this could be and is not limited to reasons such as legal or for engineers visits for the vehicle.
