Notice of Disclosure
of Your Credit Information:
Ford Credit Australia Limited
ACN 004 915 100 ("Ford Credit")
may give information about you to a credit reporting agency for the following
purposes
- To obtain a consumer credit report about you, and/or
- To allow the credit reporting agency to create and maintain a credit
information file containing information about you.
This information is limited to:
- Identity particulars - your name, sex, address (and your previous two
addresses), date of birth, name of employer and drivers licence number.
- Your application for credit or commercial credit - the fact that you
have applied for credit and the amount.
- The fact that Ford Credit is a current credit provider to you.
- Payments which are overdue by more than 60 days, and for which debt
collection action has started.
- Advice that your payments are no longer overdue in respect of any
default that has been listed.
- Information that, in the opinion of Ford Credit you have committed a
serious credit infringement (that is, acted fraudulently or shown an intention
not to comply with your credit obligations).
- Dishonored cheques - cheques drawn by you for $100 or more which have
been dishonored more than once.
Period to which this understanding applies:
This information may be given before, during or after the provision of credit to you.
AGREEMENTS WITH APPLICANT(S):
I/We AGREE that Ford Credit may:
- obtain information about me/us from a business which provides information
about the commercial credit worthiness of persons for the purpose of assessing
my/our application for consumer credit;
- obtain a consumer credit report
containing information about me/us from a credit reporting agency for
the purposes of assessing my/our application for commercial credit;
- give to a person who is currently a guarantor, or who I/we have indicated
is considering becoming a guarantor, information or a credit report containing
information
about me/us for the purpose of assisting the prospective guarantor
in deciding whether to act as guarantor, or to keep the existing guarantor
informed
about the guarantee;
- obtain a consumer credit report about me/us from a credit reporting agency for the purpose of collecting overdue payments relating to
commercial credit owned by me/us;
- exchange information about me/us with those credit providers named in my/our credit application or named in consumer
credit report issued by a credit reporting agency to assess an application by
me/us for credit, to notify other credit providers of a default by me/us, to
exchange information by other credit providers as to the status of my/our credit contract
where I am/we are in default with other credit providers, to assess
my/our credit worthiness.
I/WE UNDERSTAND that information which is exchanged or disclosed pursuant
to the above agreements can include anything about my/our credit worthiness,
credit standing, credit history or credit capacity that that credit providers
are allowed to exchange or disclose under the Privacy Act and includes a
credit report.
Where Ford Credit acts as agent for undisclosed principle I/WE AGREE that
Ford Credit may disclose any report about me/us or personal information derived
from the report to the principle.
I/WE HEREBY REQUEST Ford Credit from time
to time to confirm or disclose to the dealer reports or personal information
derived from such reports about me/us or relating to my/our credit application
or credit arrangements with Ford Credit including information relating to
the termination or possible termination and/or expiration of my/our credit
and/or insurance arrangements and for that purpose HEREBY APPOINT such dealer as
my/our AGENT AND AUTHORISE HIM to give and receive or seek access to such information
to the maximum extent authorised by or under law.
Should my/our credit arrangements
entitle me/us to require Ford Credit or its nominee to purchase goods subject
to the credit arrangements, I/we request Ford Credit at relevant times
to disclose to its nominee or agent such information as is or would be necessary
for me/us to complete the sale of the goods and for that purpose I/WE AUTHORISE
the
nominee or agent to receive an seek access to such information. I/WE AGREE that if Ford Credit approves the application for credit the above agreements remain
in force until a credit arrangement covered by the application ceases.
Do It:
I/we have read the disclosures and agreements and
acknowledge that the dealer is my/our agent and is authorised
as herein provided. |
