1. TERMS AND CONDITIONS

These terms and conditions (“the terms”) govern your use of the PDL Finance Limited (“PDL”) website (the “website”). If you do not agree to all our terms and conditions on this page, please do not use the website. If you do use the website, your conduct indicates that you agree to be bound by the terms.

2. CONTENT AND COPYRIGHT

Unless otherwise specified the copyright in the contents of all pages on the site are owned or licensed to PDL.

Accordingly, no material from this site may be copied, uploaded, posted, modified or distributed in any way, except that you may download one copy of the materials on any single computer for your personal, home use only provided you keep in tact all copyright and other proprietary notices. The use of any such material on any other website or computer environment is prohibited.

Further you may not provide a link to this site from any other site without first obtaining PDL’s prior written consent.

3. DISCLAIMER

As this is a free “public access” website, it is a condition of use of the site and the materials in it that any use is at the user’s own risk. PDL makes no representations or warranties as to the accuracy of the content of the site and assumes no responsibility for errors or omissions in it. Neither PDL, nor any of the site’s technical staff or administrators, editors or contributors shall be liable for any loss or damage suffered as a result of any use of the site or inability to use the site including but not limited to direct losses, consequential loss and loss of any profits.

This site acts solely as a marketing and sales website to attract the business of prospective customers and debtors and as such, the owners and marketing professionals of the site are unable to offer any financial advice.

Information contained on this site does not form the basis of any contract. Therefore, business or financial decisions should not be based solely on the information contained within this site.

4. INDEMNITY

In order to use the site, you must agree to be legally bound and to abide by the terms and to indemnify and hold PDL harmless from all alleged or actual damages, loss, claims and expenses relating to any warranty, guarantee or representations made by PDL. The use of this site for any reason is deemed to be an agreement of this condition.

5. AVAILABILITY OF SERVICE

Whilst PDL will endeavour to make this website constantly accessible for your use, it does not warrant or guarantee that the website will be uninterrupted or error–free at any time.

PDL makes no warranty that this site is free from computer viruses or any other malicious or impairing computer program. The pages contained on this site may contain technical inaccuracies and typographical errors. PDL accepts no responsibility for keeping the information in these pages up-to-date or liability for any failure to do so. Please note that any software is downloaded at your own risk.

6. PRIVACY STATEMENT

Any details which you provide to us from which we can identify you are held and processed in accordance with our Data Protection Registration. At PDL, we are serious about protecting your privacy. If we ask for information about you, we take all possible steps to keep it safe.

PDL may search your details with a credit reference agency in order to make a decision as to whether they will lend to you. Such search may be recorded on your credit history and this information will be seen by other organisations that make searches.
* See below for more info;

We may use the information to communicate with you and to let you know about products and services which you may be interested in from PDL.

we may supply personal information to third parties.

if you do not want us to supply third parties with your information, please email enquiries@mrlender.co.uk

(any changes to this policy will be posted here).

7. PASSWORDS

Passwords must not be disclosed to any person. If you become aware of any unauthorised disclosure of a password, then you must notify us immediately. You will remain responsible for all activities carried out under access with your password.

8. VALIDITY

If any term, condition or provision of these terms is determined to be unlawful, invalid, void or for any reason unenforceable, the validity and enforceability of the remaining terms, conditions and provisions shall not in anyway be affected or impaired thereby.

9. These terms shall be governed by and construed in accordance with English Law and subject to the exclusion jurisdiction of the English Courts.

10. QUESTIONS/COMMENTS ABOUT OUR TERMS

If you have any questions or comments about our terms, you should email us at enquiries@mrlender.co.uk.

* more info about credit checking ...

1) When you apply to us to open an account, this organisation will check the following records about you and others (see 2 below)
a) Our own;
b) those at credit reference agencies (CRAs). When CRAs receive a search from us they will place a search footprint on your credit file that may be seen by other lenders. They supply to us both public (including the electoral register) and shared credit and fraud prevention information.
c) those at fraud prevention agencies (FPAs).

We will make checks such as; assessing this application for credit and verifying identities to prevent and detect crime and money laundering. We may also make periodic searches at CRAs and FPAs to manage your account with us.

2) If you are making a joint application or tell us that you have a spouse or financial associate, we will link your records together so you must be sure that you have their agreement to disclose information about them. CRAs also link your records together and these links will remain on your and their files until such time as you or your partner successfully files for a disassociation with the CRAs to break that link.

3) Information on applications will be sent to CRAs and will be recorded by them. Where you borrow from us, we will give details of your accounts and how you manage it/them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for 6 years after they are closed, whether settled by you or defaulted.

4) If you give us false or inaccurate information and we suspect or identify fraud we will record this and may also pass this information to FPAs and other organisations involved in crime and fraud prevention.

5) If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.

6) We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

7) Your data 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.

How to find out more;

This is a condensed version and if you would like to read the full details of how your data may be used please phone 02085021288 or ask one of our staff.

You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee.

• CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0870 0601414
• Equifax PLC, Credit File Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.myequifax.co.uk
• Experian, Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0844 4818000 or log on to www.experian.co.uk

11. Card Payments

After a payment is taken via your debit card, you have up to 7 days to dispute the transaction and this can be done by writing to us (details can be found here) or emailing us info@mrlender.co.uk. Please review your drafted loan agreement for more information with regards to disputing transactions or cancelling your loan with PDL Finance Limited.

You can settle a loan using any of the following debit card types;



All loans are settled using Pounds in the UK and all payments are processed at our companies head office.

Mr Lender is a trading name of PDL Limited, company number 83039309, registered in England whose registered office is at Registered Office Galley House, Moon Lane, EN5 5YL. You can contact us on 02085021288 or by emailing transactions@mrlender.co.uk