Who We Are

Ruthbridge (‘we’ or ‘us’ or ‘our’) gather and process your personal information in accordance with this privacy policy and in compliance with the relevant data protection regulations and law. This policy provides you with the necessary information regarding your rights and obligations, and explains how, why and when we collect and process your personal data.

Ruthbridge’s registered office is at 13 Princeton Court, 53-55 Felsham Road, London, SW15 1AZ and we are a company registered in England and Wales under company number 292 0861.

Information That We Collect

Ruthbridge processes your personal information to meet our legal, statutory and contractual obligations and to provide you with our services. We will never collect any unnecessary personal data from you and do not process your information in any way, other than already specified in this policy.

The personal data that we may collect is: -

  • Name
  • Date of Birth
  • Postal Address
  • E-mail Address
  • Telephone Number
  • Bank Details
  • Health/Medical information

We may record phone conversations to offer you additional security, to ensure we comply with our legal and regulatory obligations, to resolve complaints and improve our quality and service standards. Conversations may also be monitored for training purposes.

How We Use Your Personal Data

Ruthbridge takes your privacy very seriously and will never disclose or share your data without your consent, unless required to do so by law. We only retain your data for as long as is necessary and for the purposes specified in this policy.  The purposes and reasons for processing your personal data are detailed below: -

  • Internal record keeping
  • To improve our services
  • To contact you about new services or other information which we think you may find interesting
  • From time to time, we may also use your information to contact you for marketing purposes
  • We may contact you unless you have asked us not to do so by letter, phone, or e-mail

Ruthbridge will also use and collect your personal information to service and administer your account(s), including the performing of debt collection services and to trace your whereabouts. We may also record any information you provide in order for us, our client or any approved third parties to contact you

Your Rights

You have the right to access any personal information that Ruthbridge processes about you and to request information about: -

  • What personal data we hold about you
  • The purposes of the processing
  • The categories of personal data concerned
  • The recipients to whom the personal data has/will be disclosed
  • How long we intend to store your personal data for
  • If we did not collect the data directly from you, information about the source

If you believe that we hold any incomplete or inaccurate data about you, you have the right to ask us to correct and/or complete the information and we will strive to update/correct it as quickly as possible; unless there is a valid reason for not doing so, at which point you will be notified.

You also have the right to request erasure of your personal data or to restrict processing in accordance with data protection laws, as well as to object to any direct marketing from us and to be informed about any automated decision-making that we may use.

If we receive a request from you to exercise any of the above rights, we may ask you to verify your identity before acting on the relevant request; this is to ensure that your data is protected and kept secure.

Sharing and Disclosing Your Personal Information

Ruthbridge do not share or disclose any of your personal information without your consent, other than for the purposes specified in this policy or where there is a legal requirement.

We may also pass your details to selected third parties and agents who provide administration support and/or services and who agree to only hold such information for the purposes set out in this privacy policy and under strict conditions to safeguard your information. We may also disclose information if we have (or believe we have) a duty to do so, or the law allows or requires us to.

We may also search public records, such as the Electoral Roll, that are available from credit reference agencies to help us verify your identity or determine your financial status. We will also obtain information about you from the credit reference agencies to help make decisions about you, your account and the behaviour of your account. You can ask the credit reference agencies for a copy of your credit file. If there is anything incorrect on your credit file, you can ask the credit reference agencies to add a Notice of Correction.

UK credit reference agencies are:

Experian Limited, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF. Tel: 0844 481 8000 www.experian.co.uk

Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS, Tel. 0844 335 0550 www.equifax.co.uk

Callcredit plc, Consumer Service Team, PO Box 491, Leeds, LS3 1WZ, Tel. 0330 024 7579 www.callcredit.co.uk

Any processors acting on our behalf only process your data in accordance with instructions from us and comply fully with this privacy policy, the data protection laws and any other appropriate confidentiality and security measures.

Safeguarding Measures

Ruthbridge takes your privacy seriously and we take every reasonable measure and precaution to protect and secure your personal data in compliance with the relevant data protection regulations. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect.

As part of our ongoing monitoring of the account and to service your account, by law we have to confirm your name, address and other details which may be required to identify you. Some Acts of Parliament oblige us to disclose customer information to certain bodies with statutory powers.

How Long We Keep Your Data

Ruthbridge only ever retains personal information for as long as is necessary and we have strict review and retention policies in place to meet these obligations. We are required under the Limitation Act 1980 to keep your basic personal data (name, address, contact details) for a minimum of 6 years after which time it will be destroyed.

Lodging A Complaint

Ruthbridge only processes your personal information in compliance with this privacy policy and in accordance with the relevant data protection laws. If, however you wish to raise a complaint regarding the processing of your personal data or are unsatisfied with how we have handled your information, you have the right to lodge a complaint in writing to the Compliance Officer at Ruthbridge Limited, Ashley House, 86-94 High Street, Hounslow, TW3 1NH. E-mail Address: This email address is being protected from spambots. You need JavaScript enabled to view it..

Links to other Websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that Ruthbridge does not have any control over other websites. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy policy. You should exercise caution and look at the privacy policy applicable to the website in question.

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