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Great Universal Catalogue |
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Great Universal Catalogue |
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- Interest free credit
- Free delivery
- Free returns
- Free catalogue
- Buy now pay later
- Low weekly prices
- Bad credit often accepted
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Loan Amount |
Repayment Term |
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£100 new customers* |
Weekly/Monthly* |
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How safe are my transactions?
Great Universal takes the security of your details very seriously. We use industry standard encryption methods to deter would-be hackers. 'Encryption' turns your information into a special code that only Great Universal computers can unscramble.
What information do you collect about me and why?
Shop Direct Home Shopping Limited ("Shop Direct") provides your goods. Shop Direct Finance Company Limited ("SDFC") provides credit, subject to status, and arranges other financial services products. Both Shop Direct and SDFC are members of the Shop Direct group of companies ("the Group Company/Companies"). Solution Personal Finance Limited (which is a joint venture with SDFC) and Home Shopping Personal Finance Limited (which is a joint venture with Shop Direct Financial Services Limited, another Group Company) and any undertakings within those joint ventures and other joint ventures that we may enter into from time to time, may also offer you other credit facilities, subject to status, and/or financial services products. By giving information to Shop Direct and SDFC, you agree that it will be shared with Group Companies.
How we will use your information
Shop Direct and SDFC may use your personal information as follows:
•To process your payments.
•To fulfil your order and administer your account.
•To pass information about you to agents, service providers and employees to carry out services. In the course of providing such services, we may transfer your personal information outside of the European Economic Area. We will employ appropriate security measures to protect your personal information where this is the case.
•To disclose information about you to any relevant regulator if they require it or to anyone else if there is a legal duty to do so.
•To run any prize draw or competition you may enter.
•The information held about you, but not information held at credit reference agencies, may also be used to analyse your shopping preferences as part of Shop Direct's and SDFC' marketing programmes. This may help them to select and tailor products, services or special discounts and to inform you about any of those we think you will be interested to hear about. This information may also be incorporated into our staff training programmes.
•To send you brochures, leaflets, catalogues and other promotional material for our products and services. We may also telephone or email you to discuss account details or for market or service research. In addition, we may include leaflets or brochures for complementary products or services from third parties with our statements and parcels.
•Shop Direct or SDFC may pass your personal information to carefully selected third parties to use for marketing. Shop Direct, SDFC, a Group Company or third party partners may contact you by mail, telephone, e-mail, text message or any other reasonable method. If you do not wish to be contacted by third parties in this way, or you do not want Shop Direct or SDFC or a Group Company to contact you for their marketing or if you have any queries about data protection, please call freephone 08448 111 800.
•Shop Direct, SDFC or a Group Company may monitor or record telephone conversations with you to ensure consistent services levels, to prevent or detect fraud and for training purposes.
•Shop Direct and SDFC may also pass your information to other Group Companies, and to third parties, for debtor tracing and debt recovery purposes.
Credit Applications
•If you apply for credit SDFC will search your record at a credit reference agency or agencies who will supply SDFC with credit information as well as information from the electoral register. SDFC will use credit scoring methods to assess your application and to verify your identity. Credit searches and other information which is provided to SDFC and/or the credit reference agencies about you and those with whom you are financially linked may be used by SDFC and other companies if credit decisions are made about you or other members of your household. You are linked with another individual if you make a joint credit application or run a joint credit account with them. Even if your application goes no further, the credit reference agencies will add details of this search and your application to your record.
•In assessing you for credit and to manage your account SDFC may also use any information which a Group Company already holds about you.
•SDFC will search your records with the credit reference agencies so they can manage your account and take further decisions about credit. These searches will not be available to other lenders for credit assessment purposes
•If SDFC enters into a credit agreement with you they will also add details of your agreement as well as ongoing details of your account and how you manage it to credit reference agency records. If you do not repay on time or in full they will tell the credit reference agencies who will record details of the debt. All this information will be seen by other organisations carrying out later searches and SDFC may also share it directly with the Group companies. The information may be used to assess you for credit or to verify your identity.
Fraud Prevention
For everyone's protection, we check the details of every first order with the fraud prevention agencies and these checks may be repeated with future orders. The Group Companies may also use the information you have given, or which the Group Companies already holds about you.
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies.
Law enforcement agencies may access and use this information.
We and other organisations may access and use this information to prevent fraud and money laundering, for example, when:
•Checking details on applications for credit and credit related or other facilities;
•Managing credit and credit related accounts or facilities;
•Recovering debt;
•Checking details on proposals and claims for all types of insurance;
•Checking details of job applicants and employees
We and other organisations may also access and use from other countries the information recorded by fraud prevention agencies.
Please telephone freephone 0800 092 9054 if you want to have details of those credit reference and fraud prevention agencies from whom SDFC obtains and to whom SDFC gives information about you. You have a legal right to these details. SDFC, credit reference and fraud prevention agencies and other home shopping traders may also use the records for statistical analysis about credit, insurance and fraud.
Shop Direct and SDFC may use automated decision making systems when assessing you for credit and for fraud prevention.
Insurance Policies, Extended Guarantees and Shopping Insurance
Your insurance policy or service plan will be set up by SDFC. Your information may be used as detailed above and may also be passed to insurers (for insurance applications only), service plan providers (in both cases for administration purposes) and relevant regulators.
How to contact us
If you have any queries about how we use your information or on data protection generally please contact us at the Data Protection Unit, Park Lane, Netherton, Liverpool L72 1LQ.
A full list of Group Companies who may receive your information is available from the Data Protection Unit at the above address.
Shop Direct Finance Company Limited, registered number: 4660974 is authorised and regulated by the Financial Services Authority in respect of arranging insurance products. Registered office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, Liverpool L30 1SL. Shop Direct Home Shopping Limited. Registered number: 4663281. Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool L70 1AB.
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* See the online Great Universal Catalogue application for details
about terms and conditions of offer. Reasonable efforts are made to
maintain accurate information. However all credit card information
is presented without warranty. When you click on the " Apply Here " button you can review the terms and conditions
on the lender's web site.
Still undecided or looking for another to apply for?
CLICK HERE TO SEARCH, COMPARE, & APPLY FOR LOANS ONLINE
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