Ardent Credit Services Ardent Credit Services

Privacy Policy

This Privacy Policy sets out how we will use your personal data.



By providing our clients/your original creditor with your personal information and taking out a contract with them, you consented to them processing your data which does include passing your account to us if it falls into arrears and/or default.  We process your data on the legal basis of this relationship creating a legitimate interest for us to pursue the debt on their behalf.

Ardent Credit Services Ltd trading as Debt & Revenue Services (“Ardent”) will obtain personal data and other information about you from our clients or when you contact us.  Personal data will include name, address, date of birth, telephone numbers (mobile and landline), email address and payment information.  This information is used to confirm your identity whenever you contact us.  Your original Creditor (our Client) that you have entered into a contract with normally acts as a Data Controller in relation to your data and Ardent acts as a Data Processor.

We may also collect sensitive information about you in relation to health issues, including mental health, where this is relevant to your account and you have provided your consent to us processing this information to help us manage your account. 

Ardent respects your privacy, we only collect, store and use your personal information for defined purposes, which includes debt collection and early arrears management activity and processing for employment related reasons (for our employees only).  We do not sell your personal information or use it for marketing purposes. 

In some cases, your original creditor will legally sell/assign your debt to Ardent, in such cases you will receive a Notice of Assignment communication explaining the transfer of the creditor rights and responsibilities moving forward. Ardent will act as a Data Controller in such cases.  Where relevant, we will use your data to make regular and accurate updates to the credit bureau to reflect the status of your account.

All of your information is held on Ardent’s internal systems which are protected by appropriate technical and security measures to keep your data safe, which includes a robust Firewall.  We are ISO27001 certified as well as PCI DSS compliant.  We have processes in place to check all attachments and emails sent to us, including anti-virus software.

We will contact you in writing, via email (if you have provided an email address), by telephone and by text message (if you have provided a mobile phone number).  You can ask us to stop contacting you by a certain method at any time. 



We only use a small set of cookies. Please refer to our Use of Cookies policy.


Transfers and Third-Party Information

We only share your personal data outside Ardent with your consent or with companies that help Ardent fulfil its purpose of collecting any monies owed by you, and then only with partners who share Ardent’s commitment to protecting your privacy and data.

Neither Ardent nor any of our suppliers transfer any customer data outside the European Economic Area.

You may contact Ardent on 0151 545 1500 at any time with any privacy questions or concerns you may have.


Your Rights to Access, Rectification and Erasure

As a Data Subject you have various rights.  Please contact your Data Controller if you wish to exercise any of these, if you contact us directly in relation to your rights – we shall promptly inform the Data Controller of your request and keep you informed of the progress.



You acknowledge that you are responsible for keeping us up to date with your correct personal details. For quality control, security and training purposes, we monitor or record your communications with us.  To comply with accounting, tax and anti-money laundering legislation we will retain your data for at least 6 years, from the date of the last transaction or contact. 

If you have any questions concerning your personal information or about how Ardent will use your information, please contact our Risk and Compliance Director on: or by post at our registered address.

If you have any complaints regarding how your information has been used you can contact us at  If you are unhappy with the response we provide, you are able to refer this matter to our trade body - The Credit Services Association and/or to the Information Commissioners Office, more information can be found on

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