Contents

1. Summary
   1. Facts
   2. Holding
2. Comment
3. Further resources
4. The Decision

Summary

Mulla Pride Ltd (the ‘Respondent’), a digital credit provider, was found liable for violating the provisions of the Data Protection Act 2019 by unlawfully processing the personal data of the Complainants.

Facts

Mulla Pride Ltd is a digital credit Provider and operates two mobile lending apps, LCash, Faircash and KeCredit.

The Respondent allegedly accessed the names and contact details of the Complainants from the phone books of its customers and subsequently made and/or sent them threatening messages and phone calls allegedly as guarantors of the debts.

The Complainants had not consented to the use of their personal information in this way or at all.

The Respondent informed the ODPC in responce that they collect information on guarantors to facilitate their administrative actions in debt collection.

The Respondent however failed to provide:

• evidence of consent by the Complainants to act as guarantors or
• the notices issued to the Respondents informing them.of their rights undernthe law and the use to which their information would be put as required by law.
• Evidence of direct collection of personal data from the Complainants as required.

Holding

The Office of the Data Commissioner held that:

• The Respondents violated the provisions of the DPA,19.