How do I make a Request for Personal Information / Data Subject Access Request (DSAR)?
A request for your Personal Information can be made by calling us on:
Card customers - 0371 376 9214
Finance Agreement Customers - 0371 402 8905
or by emailing us at
DSARRequests@Creation.co.uk
or by writing to us at
Creation Customer Administration Team
Chadwick House
Blenheim Court
Solihull
West Midlands
B91 2AA
Following receipt of your DSAR we will attempt to contact you to understand what personal data you are looking for and how we may securely provide you with it. We will look to provide you with all the requested data within 1 month.
Your Data Protection Rights
Right to be Informed
The protection of your personal data is important to Creation.
Our Data Protection Notice informs individuals on how personal data is collated, used and shared by Creation.
Our Data Protection Notice is available at www.creation.co.uk/about-us/data-protection-notice
Right to Access
You can request a copy of your personal information that Creation holds on you.
Identification
On submission of your request, for your security we will try to contact you by telephone to verify your identity.
Processing my request
Once your identification is verified and we understand what information you would like us to supply, we will aim to complete the request within 1 month. If the request is complex the time taken to send your information may be longer.
Right to Rectification
You can request to update or change your personal information that Creation hold on you such as, name, address, telephone number etc.
Identification
On submission of your request, for your security we will try to contact you by telephone to verify your identity.
Processing my request
Once your identification is verified and request is approved, we will aim to complete the request within 1 month. Some changes can be effected immediately such as change of address. If the request is complex the time line may be longer.
Right to Erasure (Right to be ‘Forgotten’)
You can request the erasure of your personal data. Please be advised that if you held or hold an existing product or purchase a new product with Creation, we are required by law to retain data for 6 years after the account is closed. Once Creation has fulfilled its regulatory requirements to retain your data it is automatically deleted.
Identification
On submission of your request, for your security we will try to contact you by phone to verify your identity.
Processing my request
Once your identification is verified and request is approved, we will aim to complete the request within 1 month. If the request is complex the time line may be longer.
Restrict Data Processing
You can request to restrict the processing of your personal data. Upon outlining the reasons for your request, we will investigate and respond to you. Please be advised that if you use Creation products and services, we are required by law and for the performance of our contract with you to process your data for example: payments, interest calculations etc. as well as retain your data for 6 years after the account is closed as a general rule. Once Creation has fulfilled its regulatory requirements to retain your data it is automatically deleted.
Identification
On submission of your request, for your security we will try to contact you by phone to verify your identity.
Processing my request
Once your identification is verified and request is approved, we will aim to complete the request within 1 month. If the request is complex the time line may be longer.
Right to Data Portability
You can request to have your personal data ported to another organisation, where technology allows us to do this.
However, in the interest of your data security it is currently not feasible for Creation to transfer your data we hold for you to another provider by an electronic readable format. On the approval by the Regulator of an Open Banking secure transfer method, we will update our customers of this change in policy through our Creation website through the link provided: www.creation.co.uk/data-subject-rights-request.
Identification
On submission of your request, for your security we will try to contact you by phone to verify your identity.
Processing my request
Once your identification is verified and request is approved, we will aim to complete the request within 1 month. If the request is complex the time line may be longer.
Right to Object to Data processing
You can object to the processing of your personal data. However, please be advised that if you use Creation products and services, we are required by law and for the performance of our contract with you to process your data for example: payments, interest calculations etc. You can object to your data being processed for marketing communications by opting out of marketing through your Online Account Management or by contacting us by telephone, email or by letter.
Identification
On submission of your request, for your security we will try to contact you by phone to verify your identity.
Processing my request
Once your identification is verified and request is approved, we will aim to complete the request within 1 month. If the request is complex the time line may be longer.
Right to object to Automated Decision Making or Profiling
Please be advised that Creation use automated decision making for credit scoring only to ensure Creation are treating customers fairly and complying with our duty as a Responsible Lender.
You are advised of this through the application journey for a product and within the Terms and Conditions. This is also detailed within our Data Protection Notice in relation to the customers being fully informed. Please see our Data Protection Notice at www.creation.co.uk/about-us/data-protection-notice
If an application for Credit has been declined you can request to have the decision reviewed by calling Creation on 0371 402 3419 (Loans) and 0371 376 9214 (Credit Cards)
This Data Subject Access Request information was last reviewed on 11 October 2018 V2.
How to complain
Our customers really matter to us and we are committed to providing you with a great customer experience. If issues do arise, our aim is to resolve them as quickly as possible and make sure you are satisfied with the outcome. To make a complaint please click here.
If for some reason we have not been able to resolve your complaint within eight weeks of receipt, or if you are not satisfied with our final response, you can contact the Information Commissioner UK:
Information Commissioner, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.
Telephone: 01625 545745
Fax: 01625 524510