G in the A to Z of AdviceDate published: 29th October 2020
What is GDPR?
The General Data Protection Regulations (GDPR) came into effect on 25th May 2018, replacing the Data Protection Act 1998 in the UK. GDPR is a new set of rules designed to give EU citizens more control over their own personal data.
What do you mean by “Personal data”?
Any information that relates to an identified or identifiable individual. For example; name, photo, email address, personal medical information, IP addresses, bank details.
Why do we need GDPR?
The reforms are designed to reflect the world we are living in now and brings laws and obligations, including those around personal data, privacy and consent, across Europe up to speed for the internet connected age. The GDPR tells companies of all sizes what they can and can’t do with your information.
What happens if businesses and organisations do not comply?
Businesses or organisations that fail to comply with GDPR will be subject to fines.
CARF and GDPR
CARF is committed to respecting the privacy rights of all clients.
What personal data do we collect?
So that we can help you with your enquiry, we collect and record some of your personal information. This could include your name, date of birth, address, National Insurance number, contact information and housing situation. We may also need to collect personal data which is regarded as “special category” such as your race, ethnic origin, politics, religion, trade union membership, genetics, health or sexual orientation.
If you do not want us to record and use your information we can help you as best we can, but advice will be limited and general rather than specific to your circumstances.
How do we protect your data?
We are committed to keeping your data secure. We store any data you provide in secure computer systems that only authorised staff and have access to. Our data is backed up and we have secure systems in place to prevent hackers, viruses and similar from accessing our systems and data. We also have a range of policies and procedures for our paid staff and volunteers, with ongoing training, to ensure your data is kept safe.
How do we use your data?
We use your data for two reasons:
- to provide information, support and services to you;
- to manage customer service interactions with you.
When and how might we share your data?
We will never sell your personal data. We share limited data for limited purposes.
How long do we keep your data?
We only keep your data for as long as is needed and in compliance with the GDPR regulations.
Your legal rights
You have the following rights:
- to ask what personal data we hold about you;
- to ask us to update and correct or delete any out-of-date or incorrect personal data that we hold about you;
- to opt out of any communications that we may send you.
To exercise any of the above rights please contact DataProtection@carfonline.org.uk. You also have the right to lodge a complaint with the Information Commissioner's Office (the supervising authority for data protection in the UK). You can do so by visiting their website.
is for Guarantor
You can be a Guarantor for a loan or for rent.
You should always check the terms and conditions and the ability of both the original party and yourself to pay before entering into a Guarantor agreement.
Guarantor for Credit
Some credit providers may require a guarantor to take responsibility for the risk of you defaulting on an agreement.
If you default on the agreement, the credit provider will usually be able to take action against either you or the guarantor, depending on their financial situation and the terms of the agreement.
A guarantor agrees to pay off the outstanding debt on a credit agreement if you, the borrower or hirer defaults. This is a very serious legal commitment.
In order to be enforceable, a guarantee must either be in writing or there must be some other written evidence of its existence and in both cases the document must be signed by the guarantor.
Guarantor loans usually charge higher interest scale and so can be expensive.
Guarantor for Rent
A guarantor is a third party, such as a parent or close relative, who agrees to pay your rent if you don't pay it. Your landlord can ultimately take legal action to recover any unpaid rent from your guarantor.
Your landlord may want to check that your guarantor is able to pay the rent in the same way that they've checked your ability to pay, for example, by carrying out a credit check.
Administrative work undertaken by the landlord on this should not involve you or your potential guarantor being charged any fees. These fees are unlawful in Scotland.
A legal agreement sets out the guarantor's legal obligations.
In many cases, a guarantee agreement extends to other conditions under the tenancy as well as rent due, for example, any damage caused to the property. If you are asked to pay for the damage, as the tenant, but you don't pay it, the guarantor could be asked to pay it.