Baines & Ernst legal and privacy statement
Protecting your privacy is important to us. We are members of DEMSA (the Debt Managers Standards Association) and follow their Code of Practice which is approved by the Trading Standards Institute (TSI) and encourages higher standards for the benefit of clients and is available upon request.
CHANGES TO THIS POLICY: Because we are constantly improving our sites there may be developments in how we use your data – all such developments will be promptly notified to you in this policy. Your continued use of our website will signify that you agree to any such changes.
The basis on which you are entitled to access the Baines & Ernst website is set out below:
Data protection act 1998
We know how important it is to protect your personal information. Any Personal Information we hold will be subject to the appropriate legal safeguards under the Data Protection Act 1998. We will process your Personal Information in accordance with the terms and for the purposes of this agreement. You confirm that you have the consent of any third party whose details you may disclose to Baines & Ernst to discuss such details and to authorise us and such third parties referred to in the paragraph below (including any associated company within the Paymex Group) to process such details for the purposes of assessing your enquiry.
We work closely with a number of specialist companies that offer a range of financial products; secured loan, re-mortgage, Individual Voluntary Arrangement (IVA), Debt Management, unsecured loans, car finance, right-to-buy (RTB), general insurance, claims management, etc. – We try, where possible, to offer you a number of different options to consider, in order to best resolve your financial situation and you may be contacted by one of these specialist companies, if it appears that from the information you submit to us, they may be able to help you.
We may also disclose personal information about you to the extent required by Law, Court Order, by Government order or decree. Except as described above, we will not disclose your personal information to any third parties without your consent.
Right of subject access
We only collect data that is ‘personally identifiable’ to the extent deemed necessary to serve our legitimate business purposes. We ensure that safeguards are in place for the security and privacy of that information.
Information held by us will be processed only for purposes for which we have registered under the Data Protection Act.
You have the right to review, correct and delete information from our records, subject to certain conditions. Please contact Head of Compliance should you have any concerns about any aspect of the information we hold. You have the right to ask for a copy of the information that we may hold about you. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you (after payment of small fee). The address to write to is: The Head of Compliance, Baines & Ernst, Lloyds House, 18-22 Lloyd Street, Manchester, M2 5BE.
Data privacy and personal details
The personal details which you submit to us (Personal Data) are held by Baines & Ernst. It is your responsibility to ensure that your Personal Data is accurate and up to date and to inform us of any changes that need to be made. By submitting your Personal Data you CONSENT to it being processed by Baines & Ernst and its group and associate companies as notified in this Policy.
For each visitor to our website, our web server automatically recognises no information regarding the domain or email address. We will collect and store the email addresses of those who communicate with us via email or their contact details when submitting an enquiry.
We may use Personal Information provided to us to communicate with you by post, telephone, fax, email or SMS text for the purposes of assisting you with your enquiry. We may also use the information provided for marketing purposes to identify and provide you (by post, telephone, fax, email or SMS text) with details of other similar products or services which we, our group or our associated companies, or an approved third party deem could be of interest to you. By submitting your details you will be giving consent for the details provided to be used in this way.
You can tell us if you do not want to receive marketing information from us and / or from our group or associated companies by writing to the Data Manager , Baines & Ernst Limited, 18-22 Lloyd Street Manchester M2 5BE. If at any time you opt out of being updated we will cease all such future disclosure of data.
If you use standard email for communication with Baines & Ernst, information will not be protected in the same way and you should be aware that we cannot guarantee that it remains confidential whilst in transit.
Baines & Ernst Limited: Lloyds House, 18-22 Lloyd Street, Manchester M2 5BE. Website: http://www.bainesandernst.com. Baines & Ernst Ltd is registered in England and Wales No. 3167325. Registered office address, 8 St John Street, Manchester, M3 4DU. Consumer Credit Licence No.408014. Data Protection Registration No. Z8931509
Authorised and regulated by the Financial Services Authority for insurance mediation services and subject to the jurisdiction of the Financial Ombudsman Service. FSA Registration No. 312318. www.fsa.gov.uk/register.
Baines and Ernst is regulated by the Ministry of Justice in respect of regulated claims management activities authorisation number: CRM20599. Registration is recorded on the Ministry of Justice website www.claimsregultation.gov.uk.
We use a carefully selected external team of licensed Insolvency Practitioners. Baines & Ernst Limited is part of the Paymex group of companies.
This site is intended for UK residents only unless otherwise stated. We will communicate with you in English. We may record and monitor calls for service quality.
Our commitment to our customers if you are dissatisfied
Our goal is to give excellent service to all of our customers but we recognise that things do go wrong occasionally. We take all complaints we receive seriously and aim to resolve all of our customers’ problems fairly, promptly and efficiently. To ensure that we provide the kind of service you expect we welcome your feedback. If you have any issues relating to the work your Insolvency Practitioner undertakes (only applicable for IVA / PTD clients) you should refer this directly to your Insolvency Practitioner. If at any time you are not happy with the service that we have given you, in the first instance, please telephone the business area you usually deal with in order to explain your concerns.
Alternatively, if you want to write to us please send your complaint to: Compliance Department, Baines & Ernst Limited, Lloyds House, 18 – 22 Lloyd Street, Manchester. M2 5BE. A copy of our Internal Complaints Procedure is also available upon request from the contact details given above.
Clearly, we would always want to resolve any concerns you raise with us internally. However, should the matter not be resolved to your satisfaction, you may refer the matter to DEMSA, provided that the dispute in question is covered by the Code of Practice. DEMSA has a laid down procedure for handling such complaints. A copy of the DEMSA Code of Practice is available from us or the General Secretary, DEMSA, West Point, Westland Square, Leeds, LS11 5SS, or visit website www.demsa.co.uk Telephone: 0113 277 7610, Fax: 0113 2773586 or email: firstname.lastname@example.org You may also refer the matter to the Financial Ombudsman Service (FOS), South Quay Plaza, 183 Marsh Wall, London, E14 9SR details of which will be provided at that time. We are or subject to the jurisdiction of the Financial Ombudsman Service.
Please note that both organisations provide a free independent complaint handling service. Following the Complaint Handling Procedure does not affect your legal rights.
Baines & Ernst Ltd shall not be liable for any claims or losses of any nature, arising indirectly or directly from use of the information on the Baines & Ernst website or hypertext links howsoever arising (except to the extent required by law).