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Prefix Number PlatesNumber plates that have the year letter at the beginning of the registration, for example B21 VAN.
Current Number PlatesCurrent style number plates were introduced in September 2001 and they follow the 2 digit year identifier, 3 letters format, for example XX10 VEU (Kiss Kiss Love You).
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Dateless Number PlatesRegistrations which can be transferred to any age of vehicle, for example 70 NNX.
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USE OF YOUR INFORMATION
What we will do when you apply:
We will search your record at credit reference and fraud prevention agencies and that of your 'financial associate' if you have one, i.e. a person with whom you have, or have had, joint personal financial arrangements such as joint accounts or have made joint credit applications. It may be your spouse or partner (not a business partner). We may also, in certain limited circumstances, check the record, including credit details, of other members of your family and, if you are a director or partner in a small business, we may also check on your business.
If you tell us that you have a financial associate, we will search, link and record information about you both at credit reference agencies. You must be sure you have your financial associate's agreement to disclose their information.
If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information.
We will use a scoring or other automated decision-making system to assess your application and to verify your identity.
How we will use your information you have provided
Whether or not we accept your application for credit, we may pass your personal information to members of our group of companies, or business partners, affiliates or other third parties, and to anyone who introduced you to us, who may use it to inform you by letter/telephone or by email about their products and services (which may not be financially related).
If you make an application for credit and do not want to be contacted in this way please write to us at Hitachi Capital Consumer Finance, 2 Apex View, Leeds, West Yorkshire, LS11 9BH.
If we do not accept your application for credit, we may pass your personal information to another lender or broker which may accept your application. The other lender or broker may carry out its own searches at credit reference and fraud prevention agencies.
What we will also do when you have an agreement with us:
We will add to your record with the credit reference agencies details of your agreement with us, the payments you make under it, any default or failure to keep its terms and any change of name or address.
Account information given to credit reference agencies remains on file for 6 years after the account is closed, whether settled by you or upon default.
What the credit reference agencies will do:
Whether or not this application proceeds, the credit reference agency will place a record of our search on your credit file. This record (but not our name) will be seen by other organisations when you apply for credit in the future. A large number of applications within a short period of time could affect your ability to obtain credit.
Whether or not this application proceeds, the agencies will link your records and those of your financial associate(s), including any previous and subsequent names. These links will remain on your and their files until you or they tell the agency you are no longer financially linked and the agency accepts this.
The agencies may supply us with credit information, such as previous applications, the conduct of accounts in your and your financial associate's name, any business accounts you have, fraud prevention information and public information such as County Court Judgments, bankruptcies and the Electoral Register.
How we and others use the agency information:
Some information held by the credit reference and fraud prevention agencies will be disclosed to us and other organisations to, for example:
Â· prevent fraud and money laundering, for example by checking details on applications for credit and credit-related or other facilities, proposals and claims for all types of insurance and job applications and employee records;
Â· recover debts that you owe and trace your whereabouts;
Â· manage credit accounts and other facilities;
Â· verify your identity;
Â· make decisions on credit, insurance and other facilities, about you, your financial associate(s), members of your household or your business; and
Â· carry out statistical analysis to help with decisions about credit and account management.
The information held by these agencies may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.
Please write to us at 'PaybyFinance Team , Hitachi Capital (UK) PLC, 2 Apex View, Leeds, West Yorkshire, LS11 9BH', if you want details of those credit reference and fraud prevention agencies from which we obtain, and to which we pass, information about you.
You have a legal right to these details. You have the right to receive a copy of the information we hold about you if you apply to us in writing. A fee will be payable.