We are specialists in the collection and recovery online of overdue debts in the commercial and consumer marketplace, the supply of commercial credit reports, and online credit management systems.
The company was established in 1999 with the management having many years of financial experience and development of the small, medium and large business.
The Directors through their experience in the development of credit management systems to UK businesses foresaw the need to offer in innovative and competitive delivery system for companies and individuals to ensure debts are successfully recovered at a fixed fee.
Your Debtor pays you direct which ensures a speedy repair to your finances or bottom line.
Over the last few years, we have invested heavily in state of the art technology for our members, who enter their debtor or debtors into our online system and start the recovery the same day. You can monitor and track your debts via your online account and are kept informed by email of our actions and feedback from the debtor.
A full range of commercial credit reports is available covering UK Limited Companies, Partnerships and Sole Traders including comprehensive Director Reports. Also available are European and International reports.
Although our systems are online based we have real people who you can speak with to assist in any way with collections or any of our other product areas.
Anglian Commercial Finance is a trading arm of Nationwide Debt Solutions Ltd who are able to provide a wide range of innovative and competitive financial packages, to protect and grow your business using our individually tailored financial services to suit your particular needs, cost effective and efficient.
Established 1999 Company Number 3895407
Regulated by Financial Conduct Authority Reg. 660085
Full member of ACA Member No 3132540
Full Member CSA Credit Services Association Member No 574
Good Credit Rating
Recovered £millions For Clients Over The Years
85% Success Rate in 28 days
Data Protection Licence No Z5591551
Full Professional Indemnity Insurance
Proven Recovery Model since 2002
On Line 24/7 Access
Trace-ability Via Your Online Account
Emailed Debtor Feed Back And Updates
Commercial Credit Reports On Line
Debtors Pay You Direct
Paper Less Operation
Your Debtor Contacted Same Day
Easy To Use / Customer Friendly Online Operation
We Operate In All Business Sectors And Industries
This is the privacy notice of Anglian Commercial Finance In this document, “we” or “us” refers to angliancommercialfinance.co.uk which is a trading arm of Nationwide Debt Solutions Ltd
We are company number 03895407 the United Kingdom. Our registered office is at 45 Shortmead Street, Biggleswade, Bedfordshire SG18 0AT. This is a notice to tell you our policy about all information that we record about you. It covers both information that could identify you and information that could not.
We are extremely concerned to protect your privacy and confidentiality. We understand that all users of our website are quite rightly concerned to know that their data will not be used for any purpose unintended by them, and will not accidentally fall into the hands of a third party. Our policy is both specific and strict. It complies with UK law and with the laws of all jurisdictions of which we are aware. If you think our policy falls short of your expectations or that we are failing to abide by our policy, do please tell us. We regret that if there are one or more points below with which you are not happy, your only recourse is to leave our website immediately. Except as set out below, we do not share, or sell, or disclose to a third party, any personally identifiable information collected at this site.
Here is a list of the information we collect from you, either through our website or because you give it to us in some other way, and why it is necessary to collect it:
1. Basic identification and contact information, such as your name and contact details.
This information is used:
1.1. to provide you with the services which you request;
1.2. for verifying your identity for security purposes;
1.3. for marketing our services and products;
1.4. information which does not identify any individual may be used in a general way by us or third parties, to provide class information, for example, relating to demographics or usage of a particular page or service.
2. Marketplace information
When we obtain information from you specifically to enable you to buy a service offered using our website by some other person, we assume that in giving us your information, you are also giving us permission to pass it to the relevant person.
3. Your domain name and e-mail address are recognised by our servers and the pages that you visit are recorded. We shall not under any circumstances divulge your e-mail address to any person who is not an employee or contractor of ours and who does not need to know, either generally or specifically. This information is used:
3.1. to correspond with you or deal with you as you expect.
3.2. in a collective way not referable to any particular individual, for the purpose of quality control and improvement of our site;
3.3. to send you news about the services to which you have signed up;
3.4. to tell you about other of our services or services of sister web sites.
4. Information you post on our website
The information you send to us by posting to a forum or blog or in your advertisement is stored on our servers. We do not specifically use that information except to allow it to be read, but you will see in our terms and conditions that we reserve a right to use it in any way we decide.
6. Financial information relating only to your credit cards
This information is never taken by us either through our website or otherwise. At the point of payment, you are transferred to a secure page on the website of CashFlows or some other reputable payment service provider. That page may be dressed in our “livery”, but it is not controlled by us. Our staff and contractors never have access to it.
7. Note on padlock symbols and other trust marks
Many companies offer certification and an icon or other small graphic to prove to site visitors that the site is safe. Some certify to a high level of safety. Others are more concerned to take our money than to provide a useful service. We do not handle information about your credit card so do not subscribe to any such service. However, we suggest you assess this notice to judge that we do take your privacy seriously.
8. Financial information about your standing order or your credit cards
When you have agreed to set up a standing order arrangement, the information you have given to us is passed to our own bank Lloyds Bank Plc for processing according to our instructions.
9. We retain your credit card information securely
We keep your financial information to provide you with a better shopping experience next time you visit us and to prevent fraud. We use Secure Sockets Layer (SSL) certificates to verify our identity to your browser and to encrypt any data you give us when you buy, including financial information such as credit or debit card numbers. Our SSL certificate encryption level is 128-bit/256- bit. Whenever we ask for financial information, you can check that SSL is being used by looking for a closed padlock symbol or another trust mark in your browser URL bar or toolbar.
We take the following measures to protect your financial information:
9.1. We keep your financial information encrypted on our servers.
9.2. We do not keep all your data, so as to prevent the possibility of our duplicating a transaction without a new instruction from you.
9.3. Access to your information is restricted to authorised staff only.
9.4. We automatically delete your information when the card expires.
9.5. If we ask you questions about your financial information, we shall show partial detail the last four digits of the debit or credit card number, only enough to identify the card(s) to which we refer.
10. Credit reference
To assist in combatting fraud, we share information with credit reference agencies so far as it relates to clients or customers who instruct their credit card issuer to cancel payment to us without having first provided an acceptable reason to us and given us the opportunity to refund their money.
11. Business and personal information
This includes all information given to us in the course of your business and ours, such as information you give us in your capacity as our client. We undertake to preserve the confidentiality of the information and of the terms of our relationship. It is not used for any other purpose. We expect you to reciprocate this policy. We keep information which forms part of our business record for a minimum of six years. That is because we may need it in some way to support a claim or defence in court. That is also the period within which our tax collecting authorities may demand to know it.
11.1. to operate our content management system.
11.2. to operate the online notification form – the form that you use to contact us for any reason. This cookie is set on your arrival at our website and deleted when you close your browser.
11.3. to enhance security on our contact form. It is set for use only through the contact form. This cookie is deleted when you close your browser.
12. Sending a message to our support system
When you send a message, we collect the data you have given to us in that message in order to obtain confirmation that you are entitled to receive the information and to provide to you the information you need. We record your request and our reply in order to increase the efficiency of our business/organisation. We do not keep any personally identifiable information associated with your messages, such as your name or email address.
When we receive a complaint, we record all the information you have given to us. We use that information to resolve your complaint. If your complaint reasonably requires us to contact some other person, we may decide to give to that other person some of the information contained in your complaint. We do this as infrequently as possible, but it is a matter for our sole discretion as to whether we do give information, and, if we do, what that information is.
We may also compile statistics showing information obtained from this source to assess the level of service we provide, but not in a way that could identify you or any other person.
14. Job application and employment
If you send us information in connection with a job application, we may keep it for up to three years in case we decide to contact you at a later date. If we employ you, we collect information about you and your work from time to time throughout the period of your employment. This information will be used only for purposes directly relevant to your employment. After your employment has ended, we will keep your file for six years before destroying or deleting it.
15. Content you provide to us
If you provide information to us with a view to it being read, copied, downloaded or used by other people, we accept no responsibility for what that third party may do with it. It is up to you to satisfy yourself about the privacy level of every person who might see your information. If it is available to all the World, you have no control whatever as to how it is used.
16. Affiliate information
This is information given to us by you in your capacity as an affiliate of us or a customer or client of ours. Such information is retained for business use only. We undertake to preserve the confidentiality of the information and of the terms of our relationship. It is not used for any other purpose. We expect any affiliate to agree to reciprocate this policy. As an exception to this, we have the right to disclose your first name and URL of your affiliate connection to other affiliates and to any other person or organisation, on and off site. The reason is sole to enable us to mention winners and others whose performance as an affiliate is in some way outstanding.
17. Disclosure to Government and their agencies. We are subject to the law like everyone else. We may be required to give information to legal authorities if they so request or if they have the proper authorisation such as a search warrant or court order.
18. At any time you may review or update the personally identifiable information that we hold about you, by contacting us at the address below. To better safeguard your information, we will also take reasonable steps to verify your identity before granting access or making corrections to your information.
19. Sale of your personal information
Except as specified above, we do not rent, sell or otherwise disclose any of your information to any person outside our business.
20. Data may be “processed” outside the UK
Our websites are hosted in the UK. We also use outsourced services in countries outside the EU from time to time in other aspects of our business. Accordingly, data obtained within the UK may be “processed” outside the UK and data obtained in any other country may be processed within or outside that country.
21. Compliance with the law
This confidentiality policy has been compiled so as to comply with the law of every jurisdiction in which we aim to do business. If you think it fails to satisfy the law of your country, we should like to hear from you, but ultimately it is your choice as to whether you wish to use our website.
28. Removal of your information
TERMS & CONDITIONS
Website terms and conditions: services to business, payment online
Trading terms and conditions of ANGLIAN COMMERCIAL FINANCE
These terms and conditions regulate the business relationship between you and us. By using Our Website in any way, or by buying from us, you agree to be bound by them.
No person under the age of 18 years may purchase Services. We look forward to seeing you again when you are over 18.
We are: Anglian Commercial Finance (A trading division of Nationwide Debt Solutions Ltd)
Our address is Bellingham House, 2 Huntingdon Street, St Neots, Cambs PE19 1BG.
You are: a visitor to Our Website / our customer www.angliancommercialfinance.co.uk
The terms and conditions
In this agreement:
“Our Website” means the entire computing hardware and software installation that is or supports Our Website.
“Services” means any of the services (Commercial Credit Reports, Director Reports and Debt Recovery) we offer for sale on our Website and include generally available updates and support services so far as specified for each service.
“Content” means any material in any form published on Our Website by us or any third party with our consent.
“Material” means Content of any sort posted by you on Our Website
2 Our contract with you
These terms and conditions apply:
2.1 So far as the context allows, to you as a visitor to Our Website; and
2.2 In any event to you as a client or prospective buyer of our Services.
2.3 We shall accept your order by a signed ACF Agreement. That is when our contract is made. Our welcome letter will also confirm details of your online login and password,.
2.4 Unfortunately, we cannot guarantee that every service advertised on our website is available. If at any time a service becomes unavailable, we will inform you immediately how long the period of unavailability may be for the Services that have been unavailable.
2.5 We may change these terms from time to time. The terms that apply to you are those stated in the Agreement on the day you signed for these Services.
2.6 If in future, you buy Services from us under any arrangement which does not involve your payment via our ACF Agreement; these terms still apply so far as they can be applied.
2.7 If we owe you money (for this or any other reason), we will credit your bank account,credit or debit card as soon as reasonably practicable but in any event no later than 28 days from the date of action.
3 Your account with us
3.1 You agree that you have provided, and will continue to provide accurate, up to date, and complete information about yourself. We need this information to provide you with the Services.
3.2 If you use the website, you are responsible for maintaining the confidentiality of your account and password and for preventing any unauthorised person from using your computer.
3.3 You agree to accept responsibility for all activities that occur under your account or password. You should tell us immediately if you believe some person has accessed your account without your authority and also log in to your account and change your password.
3.4 We reserve the right to refuse you access to Our Website.
4 Price, payment, refund guarantee and service provision
4.1 It is possible that the price may have increased from that accepted in the Agreement. If that happens, we will not provide the Services until you have confirmed that you wish to continue at the new price from a renewal period or one agreed in writing.
4.2 You may not share or allow others to use the Services in your name.
4.3 We will do our best to maintain Our Website so that you have constant use, but there will be times when your use may be interrupted. Interruption to the Services for reasonable periods for maintenance or causes beyond our control is not a ground for repayment of money you have paid. When we are aware of the likelihood of down time, we will tell you in advance.
4.4 Were a number of units had been purchased in bulk those not used in a 12 month period of the Agreement they will cease to be available outside of the Agreement dates.
4.5 We endeavour at all times to achieve for you the highest level of success in our debt recovery service.
6 Dissatisfaction with the Services
6.1 Our most important task is to ensure your absolute satisfaction. We will always strive to reach that target. However, we acknowledge that mistakes are made occasionally. This paragraph covers that possibility. If you are not wholly satisfied with the Services, please tell us at the earliest opportunity:
6.1.1 exactly why you think we have failed;
6.1.2 the date, if relevant, of the failure;
6.1.3 when and how you discovered the failure;
6.1.4 the result of the failure;
6.1.5 your suggestion as to action we should take to resolve the situation and restore your faith in us.
6.2 To do this, it is essential that you contact us by email at the Contact Point on Our Website.
7.1 We or our Content suppliers may make improvements or changes to Our Website, the Content, or to any of the Services, at any time and without advance notice.
7.2 You are advised that Content may include technical inaccuracies or typographical errors. This is inevitable in any large website. We would be grateful if you bring to our immediate attention, any that you find.
7.3 We give no warranty and make no representation, express or implied, as to:
7.3.1 the adequacy or appropriateness of the Services for your purpose.
7.3.2 the truth of any Content on Our Website;
7.3.3 any implied warranty or condition as to merchantability or fitness of the Services for a particular purpose;
7.3.4 compatibility of Our Website with your equipment, software or telecommunications connection.
7.3.5 compliance with any law;
7.3.6 non-infringement of any right.
7.4 Our Website contains links to other Internet websites outside our power and control. You acknowledge and agree that we shall not be liable in any way for the Content of any such linked website, nor for any loss or damage arising from your use of any such website.
7.5 We are not liable in any circumstances for special, indirect or consequential loss or any damages whatsoever resulting from loss of use, loss of data or loss of revenues or profits, whether in an action of contract, negligence or otherwise, arising out of or in connection with your use of Our Website or the purchase of Services.
7.6 In any claim against us our liability is limited to the value of the goods you have purchased in the contract which is the subject of the dispute.
8 Content and Intellectual Property Rights
8.1 We will defend the intellectual property rights in connection with our Services and Our Website, including copyright in the Content whether provided by us or by any other content provider (including copyright in: text, graphics, logos, icons, images, audio clips, digital downloads, data, and software).
8.2 We also claim copyright in the designs and compilation of all Content of Our Website. Title, ownership rights, and shall remain the sole property of us and / or the other content provider. We will strongly protect those rights in all countries.
8.3 Except as set out below, you may not copy, modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, display, or in any way exploit any of the Content, in whole or in part.
8.4 You may not use our name or logos or trademarks or any other Content on any website of yours or that of any other person.
8.5 Subject to the other terms of this agreement, you may download or copy Content only for your own personal use, provided that you maintain all copyright and other notices contained in it. You may not store electronically any significant portion of any Content.
9 Your email address
9.1 You represent that any username or email address selected by you, when used alone or combined with a second or third level domain name, does not interfere with the rights of any third party and has not been selected for any unlawful purpose.
9.2 You acknowledge and agree that if we believe such selection does interfere with the rights of any third party or is being selected for any unlawful purpose, we may immediately suspend the use of such name or email address, and you will indemnify us for any claim or demand that arises out of your selection.
9.3 You acknowledge and agree that we shall not be liable to you in the event that we are ordered or required by a court or judicial authority, to desist from using or permitting the use of a particular domain name as part of a name or email address.
10 Your Material
10.1 If you post any Material in Our Website, you warrant that you own the copyright in it and you accept all risk and responsibility for it. You grant to us the right to edit, copy, publish, distribute, translate and otherwise use it in any medium and for any purpose.
10.2 You agree that if you do post any Material on Our Website, in doing so, you grant to us a non-exclusive, irrevocable, royalty-free, right in perpetuity to use that Material in any way whatever, throughout the World in any medium. You agree to waive your right to be identified as the author and your right to object to derogatory treatment of your Material.
10.3 You agree to perform all further acts necessary to perfect any of the above rights granted by you to us, including the execution of deeds and documents, at our request.
10.4 You represent and warrant that:
10.4.1 you own the rights to all of the Material that you post;
10.4.2 any fact stated in your Material is accurate;
11 System Security
11.1 You agree that you will not, and will not allow any other person to violate or attempt to violate any aspect of the security of Our Website.
11.2 You may not use any software tool for the purpose of extracting data from our website.
11.3 You understand that any such violation is unlawful in many jurisdictions and that any contravention of law may result in criminal prosecution.
12 Acceptable use Policy
As a condition of your use of Our Website, you agree to comply with these provisions:
12.1 You will not use or allow anyone else to use the Web Site to post or otherwise publish:
12.1.1 copyright works;
12.1.2 commercial audio, video or music files;
12.1.3 any Material which violates the law of any established jurisdiction;
12.1.4 unlicensed software;
12.1.5 software which assists in or promotes: emulators, phishing, hacking, password cracking, IP spoofing;
12.1.6 links to any of the material specified in this paragraph;
12.1.7 pornographic Material;
12.1.8 any Material promoting discrimination or animosity to any person on grounds of gender, race or colour.
12.2 You will not use the Services for spamming. Spamming includes, but is not limited to:
12.2.1 the bulk sending of unsolicited messages, or the sending of unsolicited emails which provoke complaints from recipients;
12.2.2 the sending of junk mail;
12.2.3 the use of distribution lists that include people who have not given specific permission to be included in such distribution process;
12.2.4 excessive and repeated posting off-topic messages to newsgroups;
12.2.5 excessive and repeated cross-posting;
12.2.6 email harassment of another internet user, including but not limited to, transmitting any threatening, libellous or obscene material, or material of any nature which could be deemed to be offensive;
12.2.7 the emailing of age inappropriate communications or content to anyone under the age of 18.
You agree to indemnify us against any claim or demand, including reasonable lawyers’ fees, made by any third party due to or arising in any way out of your use of Our Web Site, your posting any Material, or the infringement by you, or by any other person using your computer, of any intellectual property or other right of any person.
14 Miscellaneous provisions
14.1 When we communicate with you we do so by email. You agree that email communications are contractually binding in the same way as properly signed and dated paper sent by post.
14.2 Where we provide goods or services without specific charge to you, then it (or they) is deemed to be provided free of charge, and not to be associated with any other goods or service for which a charge is made. Accordingly, there is no contractual nor other obligation upon us in respect of those goods or service.
14.3 Nothing in this agreement or on Our Website shall confer on any third party any benefit under the provisions of the Contracts (Rights of Third Parties) Act 1999.
14.4 If any of these terms is at any time held by any jurisdiction to be void, invalid or unenforceable, then it shall be treated as changed or reduced, only to the extent minimally necessary to bring it within the laws of that jurisdiction and to prevent it from being void and it shall be binding in that changed or reduced form. Subject to that, each provision shall be interpreted as severable and shall not in any way affect any other of these terms.
14.5 No waiver by us, in exercising any right, power or provision in this agreement shall operate as a waiver of any other right or of that same right at a future time; nor shall any delay in exercise of any power or right be interpreted as a waiver.
14.6 In the event of a dispute arising out of or in connection with these terms or any contract between you and us, then you agree to attempt to settle the dispute by engaging in good faith with us in a process of mediation before commencing arbitration or litigation.
14.7 We are not liable for any breach of our obligations resulting from causes beyond our reasonable control including strikes of our own employees.
14.8 This Agreement shall be governed by and construed in accordance with the law of England. This agreement shall not be governed by the United Nations Convention on Contracts for the International Sale of Goods, the application of which is hereby expressly excluded.
|EMPLOYERS UNCERTAINTY IN ECONOMY Employers are losing confidence in the economy as Britain remains mired in political uncertainty, a survey suggests. A growing number of businesses are operating at capacity and hiring intentions remain stable, yet optimism about the countrys economic prospects has fallen to the lowest level since mid 2016, the Recruitment and Employment Confederation said in its monthly report. The body represents more than 3,500 recruitment businesses and over 10,500 individual recruiters in the public and private sectors..In its survey of about 600 recruiters, a net balance of -34% said that they were optimistic about the economy.
CHRISTMAS BOOST FOR RETAILERS Retail sales appear to have held firm this month amid signs of optimism on the high street as stores gear up for Christmas. According to the CBI, sales volumes have been broadly unchanged in November, with a net balance of -3% of respondents reporting increases sales over the year, the highest figure for seven months and better than the -10% forecast by analysts.
BUSINESS ACTIVITY FALLS The economy is on course to shrink in the final quarter of the year, after a closely watched survey indicated that business activity has fallen in November at its fastest rate in three years. Both service and manufacturing sectors have contracted as concerns about Brexit. and election uncertainty hurt demand, according to the new flash purchasing managers index from IHS Markit and Chartered Institute of Procurement and Supply. The flash PMIs are based on about 85% of the responses usually received when the final readings are published two weeks later.City economists had been expecting a composite reading of 50, but the figure has come in at 48.5, the lowest reading since July 2016.
HOUSING BUILDING Housing supply in England increased last year at a higher rate than at any time in more than 30 years. There were 241,130 homes added to the countrys housing stock, of which 214,000 were new build properties. It is the highest number of new homes in a year since 1987.
JOBLESS FIGURES Jobless figures fell 23,000 to 1.3 million in the three months to September, reducing the unemployment rate to 3.8%. However, the number of new hires fell at this fastest in four years. The number in work fell by 58,000 to 32.7 million in the quarter.
CONSUMER CONFIDENCE Britons are losing confidence in the economy and are growing increasingly pessimistic about the state of their personal finances, offering a clear sign that political upheaval is damaging consumer confidence. The GFK consumer confidence index fell from -12 to -14 in October and has been stuck in negative territory since March 2016, during the run up to the European Union referendum. Household spending accounts for almost two thirds of national output, so caution here can be a precursor to a slowdown in national growth.
INSOLVENCIES The number of PEOPLE entering insolvency in England and Wales between July and September rose to its highest level for a decade. There were 30,879 personal insolvencies in the third quarter, up more than 22% on the same period last year and the highest third quarter number since 2010. COMPANY insolvencies rose for the third consecutive quarter to 4,355, up 1.6% on the same period last year and the highest since 2014.
CAR MANUFACTURING The number of cars built in Britain fell again in September as a slowdown in global demand and political uncertainty held the industry back.Car production shrank by 3.8% year on year to 122,256 according to the Society of Motor Manufacturers and Traders. Output has been in decline since last June as manufacturers battle falling demand for diesel vehicles and a slowdown in the vital Chinese market. Uncertainty surrounding Brexit also has contributed to lower investment in factories,while spending on planning for a no deal Brexit, estimated to be £500 million, has deprived cash from essential investment in new products and facilities.
BRITAIN IN TOP TEN Britain has retained its place in the worlds top ten markets to do business as the government prepares companies at home and abroad for Brexit Britain edged one position higher in the overall rankings, from ninth to eighth, overtaking Norway.
MANUFACTURERS BRACE FOR COLLAPSE IN EXPORTS Factories expect their exports to collapse next year as pessimism grips the manufacturing sector. Confidence among manufacturers about exports has fallen more steeply than at any time sine 2001, according to an industrial trends survey for the three months to October. Jobs fell at the rate since 2010 and investment intentions were at their most negative since the financial crisis.
RETAIL SALES WOE Retails sales stagnated last month in a sign that consumers are growing more cautious about spending before Brexit according to official figures.Sales volumes were flat in September after falling unexpectedly in August.In July large discounts had lured online shoppers, which helped to lift the quarterly, the Office for National Statistics said. However Septembers flat performance after a dip in August suggests that consumers may have become more cautious as the UKs departure looms and uncertainties Have risen
ONLINE SALES FALL Retail sales unexpectedly fell in August after consumers reined in spending having splashed out for Amazons annual Prime Day promotion the previous month, according to official figures. The drop will raise new concerns about the fragility of consumer confidence. Sales had risen 0.4% in July and economists had expected them to be flat in August.
CASH FALLS BEHIND CREDIT CARDS Credit card payments have overtaken cash in British shops for the first time.Notes and coins were only the third most popular form of payment last year, the British Retail Consortium has said. Only £1 in every £5 spent over the counter was made in cash. Debit cards have remained the most popular payment method, amounting to more than half of all payments.
WAGES RISE Wages are rising at their fastest pace in more than a decade and unemployment rate has fallen to a record low. Annual growth in average weekly earnings, including bonuses, was 4% in the three months to July, up from 3.8% in the same period last year, the Office for National Statistics said. This was the fastest growth since 2008 and higher than the 3.7% forecast by economists. After adjusting for inflation, wages rose by 2.1%, breaking the 2% barrier for the first time in four years.