Warning: Late repayment can cause you serious money problems. For help, go to
Isle of Man customers can receive free help and support by going to https://www.gov.im/oft/
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The information we hold will include, but is not limited to the following:
If you provide us with personal information regarding other individuals which will be used by us to provide you with a service, then you must have their permission to disclose their information, or confirm that you have permission to provide us with their information.
Under the Data Protection Act 1998 you have the right to access the information we hold about you. If you would like to know what information we hold about you, you can request this information by:
Phone: 0151 601 8898
Writing: 2B and 2C, Oriel Chambers, 14-16 Water Street, Liverpool, L2 8TD
You may need to complete a Subject Access Request which has an administration fee of £10 to access your data. Before submitting a request, we advise you to contact us. We may be able to provide you with specific data free of charge.
The information we collate about you is used to develop improvements to the products and services we offer. This also includes the creation of new products tailored to our customer’s needs.
We will also use your information for security, identification and verification needs when you contact us, as well as to aid with training and monitoring purposes. We will use the information you provide to:
All information provided by you can be viewed by employees of Pogo Loans, the trading name of Fire Capital Ltd.
All phone calls between yourself and Pogo Loans are recorded and monitored for training purposes. We may also monitor or record communications between you and us such as emails, letters, social media and instant messaging.
We may attempt to contact you via:
Contact may include, but is not limited to:
Key written information will be sent to the email address provided by you for contact. This includes updates on your account and legal notices.
As part of our commitment to the Competition and Market Authority’s review into the Payday Loan industry, we will supply you with statements regarding your borrowing each time you take out a loan with us. All statements will be issued via email.
If you would prefer us to contact you using a specific contact method, please make us aware and we will, when possible, attempt to contact you using the specified method.
As a responsible firm we will keep your information confidential, however we may from time to time share your information in the following events:
We may share your information with:
Should we ever need to share your information with an organisation in another country, we will ensure they agree to apply the relevant and equivalent levels of protection set out in the UK Data Protection Act, in line with the UK regulator the Information Commissioners Office.
Our site may, from time to time, contain links to and from the websites of our partners, marketers and affiliates. If you follow a link to any of these websites, please be aware that they will have their own privacy policies that state how they will use your personal data. We do not accept any responsibility or liability for these companies’ policies. It is your responsibility to check these policies before you submit any personal data to these websites.
We may disclose the personal information you disclose to us with other companies for the purpose of marketing. This includes, but is not limited to, direct marketing and may have no relationship to us directly. On the condition that we have obtained your consent to do so we may sell, license, or share your information with third-parties for various marketing purposes. This may include, but is not limited to, telemarketing, e-mail marketing, text messaging, and direct mailing. You can opt out at any time.
As a responsible firm, we would never offer a customer credit without first conducting credit reference and fraud protection checks. To do this we are required to provide information about you to the agencies to ensure we receive the correct file. Credit reference agencies may use your data for a number of purposes such as statistical reviews and updating your credit file.
All credit reference agencies keep a record of any requests for information (credit reference checks) required by us. These requests will leave a footprint that is visible for other organisations to see. These footprints may influence the decision of other lenders and could affect your ability to obtain credit.
Examples of times when information is shared between us, credit and fraud prevention agencies include:
We reserve the right to conduct a credit search when:
When performing a credit reference check information may be provided to us regarding people who you are associated with. This could be a partner or member of your household. This is likely to happen when:
Any association you have with another individual may be taken into account by us should you or the other individual choose to apply with us.
If you have a medical condition that may affect your ability to manage your account with us, it is important that you make us aware to ensure we can aid you in managing your account and enable us to treat you fairly.
We would like to hold this information on our records as it will be of benefit to the running of your account. It will enable us to be immediately aware of your condition when contacting you and save you from having to tell us about your medical circumstances each time we make contact.
This information will be made available to employees of Pogo Loans, the trading name of Fire Capital Ltd. for the purposes of discussing and managing your account only..
We may need to pass your information on to recognised partners or third parties should the need arise. We would only do this to ensure that we or the third party can continue to manage your account fairly. For example, should the debt ever be reassigned to another provider, we will make the new debt owner aware of any condition to aid their understanding of your current circumstances.
The medical data collected will be treated as ‘sensitive personal information’ in line with the Data Protection Act. Any information we collect, use, retain, or dispose of will be treated fairly and legally. The information provided will be updated accordingly as we gain more knowledge and understand of your condition.
Should your condition improve and/or details of your condition become irrelevant to the running of your account then we will delete this information.
We will only store information regarding your medical condition with your consent.