Novuna Personal Finance

2 Apex View
Leeds
LS11 9BH

Dear Jan Perlowski,

We regret that we are unable to accept your application for our credit facilities.

Your application was assessed using our Credit Scoring System which uses the information supplied by you, together with
information provided by a Credit Reference Agency and a Fraud Prevention Database.

The Credit Reference Agency provides a breakdown of your credit history, for example your payment history on any current
or settled financial commitments.
This is then used as part of the assessment of your application which on this occasion did not meet our minimum
requirements.

The address and contact details of the Credit Reference Agencies and Fraud Prevention Database that we use are as
detailed below:

Experian Help Service TransUnion Cifas

PO Box 8000 Consumer Services Team 6th Floor, Lynton House
Nottingham PO Box 491 7-12 Tavistock Square
NG1 5GX Leeds, LS3 1WZ London, WC1H 9LT
www.experian.co.uk www.transunion.co.uk www.cifas.org.uk

Telephone number - 0344 481 8000 Telephone number - 0330 024 7574

If you write to the Credit Reference Agency requesting a copy of your credit file they will provide this free of charge.

If after receiving your credit history information you wish to appeal against our decision or would like further information
regarding our decision, please write to me at the above address or email to referrals@novunapersonalfinance.co.uk.
Replies to letters or emails will be sent by post within 7-10 working days.
Please note that we are unable to discuss your application by telephone.

Use of your information

During the application process, we provided you with access to our privacy policy; this explains how we process your data
and includes an explanation of how your data is processed by Credit Reference Agencies. The privacy policy also
highlights your subject rights, in accordance with the General Data Protection Regulation (GDPR) and the UK Data
Protection Act.

You can revisit these details by visiting

www.novunapersonalfinance.co.uk/privacy-policy.

If you wish to review but are unable to access online, please contact us and we will arrange to send you a paper copy.

Yours sincerely,

Novuna Personal Finance

Novuna Personal Finance is a trading style of Mitsubishi HC Capital UK PLC. Authorised and regulated by the Financial Conduct Authority. Financial Services Register no. 704348. Registered
office: Novuna House, Thorpe Road, Staines-upon-Thames, Surrey, TW18 3HP. Registered in Cardiff under company no. 1630491.