In debt – a way to pay privacy statement

The in debt – a way to pay scheme is run by the council to assist households with debts owed to the council, such as council tax or former rent arrears. Referrals into the scheme can be made by the provider of our debt advice contract, currently Citizens Advice. Referrals will only be made with your express consent, and after you have been advised about any alternative options about how you can manage your debt.

Why we collect information about you

We collect information to assess your suitability to be accepted on the council’s in debt – a way to pay scheme. We may also use your contact details in the event that we need to contact you in relation to your application while you are on the scheme.

What information do we collect about you?

We collect information about:

  • You (name, address, contact details, NI number)
  • Financial information (income/expenditure, employment details, financial assets, details of arrears)
  • Any relevant health issues that may be linked to your debt

Who do we share the information with?

To be accepted onto the scheme, your application will be considered by a panel of officers made up of a representative from the council’s Business Revenue Team, a Housing Strategy and Enabling Officer, and a representative from Cheltenham Borough Homes’ Revenue’s Team.

Is any information transferred to or stored on servers based outside the European Economic Area?


How long do we keep your information?

We will keep your information for as long as you remain on the scheme, and will retain your records for a period of 12 months afterwards.

Who do we collect information from?

  • You, via Citizens Advice.
  • Cheltenham Borough Homes – to check your payment history and to be advised of any failure to make payments against the agreed repayment plan.

What are the consequences if we do not collect the data?

The council may be unable to consider your application for the scheme.

Are any decisions about you made by automatic means?