Yes. We only make audio recordings.
It’s one of the ways we can demonstrate to you, ourselves and our regulators we’re lending and collecting responsibly. We’re the first home credit provider to use voice recording. We believe it helps us do our job better and to provide you with a great service. We use the recordings to help resolve any queries or complaints you may have. They’re also used to help train our Customer Experience Managers (CEMs). Finally, we may use the recordings to prevent or detect fraud.
Like many finance companies, banks and other organisations, we record all telephone conversations. But we’ll also make voice recordings when your CEM visits your home. However, we only record conversations between your CEM and yourself. If you’re not in when we call, we don’t record. If a family member or friend answers the door we don’t record. To be clear: we record home visits to accept payments or to complete your loan application.
We’ll record the whole conversation between you and whoever’s come to see you from Provident. This is really important, particularly when we’re talking to you about payments and collections or changes in your circumstances. There may also be times when we need to offer you extra support. Knowing what was said means we can we make sure we’re giving you the best service and lending and collecting responsibly.
We record home visits for your protection and to make sure we deliver the positive experience you expect from us. The recordings ensure we give you the right information as well as providing the best possible service and support every time we visit.
We don’t want you to feel uncomfortable, especially when you’re in your own home. We only record with your approval. During a collection visit your CEM will stop the recording if you ask them to and the visit will then carry on as normal. We do, however, insist on recording your initial loan application. If you ask the CEM to stop recording they will do so but will be unable to process your application or approve your loan.
As a lender we’re very tightly regulated and we protect your data. This doesn’t only apply to the information you give us when you apply for a loan, the voice recordings we make of our conversations are also part of that data. We have to make sure they’re kept safe. To do this we use the very latest cyber security systems to store the recordings. No one other than ourselves can access them.
We understand that by recording our conversation we may record sensitive and highly personal information about you. All our recordings are confidential. But before asking for personal details we’ll always request your permission to record.
We keep your recordings safe and secure for six years. That’s six years from when your relationship with Provident ends.
If you get in touch with us, we’ll delete the recording. Here’s how to get in touch:
We will delete the recording within 30 days of receiving your request. We’ll confirm this is writing if you ask us to do so.