Schedule 3 Credit Reference Agency Files Business Consumers (Partnerships And Other Unincorporated Bodies Only)
Your Rights Under Sections 159 And 160 Of The Consumer Credit Act 1974
This statement of your rights is provided by [insert the name of the credit reference agency issuing the statement. ]. Our postal address is [insert the credit reference agency’s postal address.].
You asked us for a copy of all the information we hold about you on our files. Under section 160 of the Consumer Credit Act 1974, we have obtained a ruling from the Financial Conduct Authority which means that we do not have to give you all of that information. We are allowed to withhold some of that information because the Financial Conduct Authority is satisfied that letting you have a copy of it would adversely affect the service we provide to our customers.
We are therefore providing you with some of the information we hold about you on our files or information based on it.
Sections 159 and 160 of the Consumer Credit Act 1974 give you certain rights and this statement tells you what those rights are.
RIGHTS UNDER SECTION 159
Your rights under section 159 of the Consumer Credit Act 1974 exist where you think that any of the information we have sent you is wrong and that you are likely to suffer because it is wrong.
These rights are available to you whether or not you have appealed to the Financial Conduct Authority under section 160 (see the section headed "RIGHTS UNDER SECTION 160" below).