- Enforcing jurisdiction
- United Kingdom · Geography does not establish applicable law.
- Confirmed applicable legislation
- No confirmed legal basis recorded.
- Privacy topics
The Money Hive Limited – €58,500 Fine (United Kingdom, 2022)
Privacy enforcement record
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The Money Hive Limited was fined EUR 58,500 by the UK's Information Commissioner's Office for sending unsolicited text messages promoting payday loans. The ICO found that the company did not have proper consent from recipients for these marketing messages. This case serves as a reminder for businesses to obtain clear consent before sending marketing communications.
What happened
The Money Hive Limited sent unsolicited text messages promoting high-interest payday loans to individuals without proper consent.
Who was affected
Individuals who received unsolicited marketing text messages from The Money Hive Limited.
What the authority found
The ICO determined that The Money Hive Limited violated GDPR by failing to obtain valid consent for sending marketing messages.
Why this matters
This case highlights the need for companies to ensure they have explicit consent from users before sending marketing communications. It underscores the importance of compliance with data protection regulations in marketing practices.
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The Money Hive Limited (TMHL) is a company that calls itself "a short term loan lender and broker for other lenders and financial service providers". Mobile UK is an entity representing the interests of mobile subscribers in the UK. Mobile UK has a Spam Reporting Service, and subscribers can report a spam message by forwarding the spam message to Mobile UK. In September 2020, numerous unsolicited text messages by Money Hive were reported. The Investigating Officer ascertained nine separate message scripts promoting high-interest payday loans. The messages contained links to websites operated by TMHL and were sent to people who had “previously applied online for a loan with a TMHL-operated website” but had left the process midway to due to any reason. In response to the ICO’s letter seeking information and documentation about consent provided by the subscribers, TMHL stated the following: • It had used the services of two platform providers to send the messages. • Between 1 January 2020 to 8 September 2020, a total of 752,425 text messages were received by subscribers. • TMHL divided consent into two categories: “a) Individuals consent to being notified of their loan application results via SMS; and b) individuals consent to future marketing from it and "select 3rd parties" via separate tick boxes.” It added that "a very small number of customers might not realise that the messages are direct responses to their loan application and consider them to be marketing texts". The ICO considered the 'customer journey' documents provided by TMHL and noticed two opt-in statements. Opt-in 1 was accessible after a customer had clicked 'apply now' on the respective website and had entered their contact details. It had the following text, followed by three separate optional tick boxes for email/SMS/phone: "LoanPig and our 3rd party partners would like to stay in touch with you via email and sms to send you reminders and occasional relevant offers, please tick below if you
Related Enforcement Actions (0)
No other enforcement actions found for The Money Hive Limited in UK
This is the only recorded action for this entity in this jurisdiction.
Details
Fine Date
14 February 2022
Authority
Information Commissioner's Office
Fine Amount
€58,500
50,000 GBP
About this data
Cite as: Cookie Fines. The Money Hive Limited - United Kingdom (2022). Retrieved from cookiefines.eu
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