Campaign to the OFT against unfair CRA practices.

[Hadituptohere]

Hi jo
The letter in post 88 is te one advised to send

[jo5ephedward5]

Sent...and auto aknowledged:

"Thank you for your email to the Office of Fair Trading (OFT).
Unless your email concerns a Scam, we will usually respond to standard enquiries within 10 working days".

lets hope this isn't a scam else theres no knowing how long it could take for a response!

[SURFBOY]

Anyone any updates on this campaign?

[mfpa]

Originally Posted by Dipply75

I also think that as we have no choice but for the CRA's to hold our info, we should not be forced to pay for access to it - their fees should come from the profits they make selling access to it.

This is presumably covered elswehere but why do we have no choice? What gives them any right to hold any of our personal info without our permission unless that info is already in the public domain?

[AA99]

Signed and link posted on everything else I could find

[angry cat]

Petition signed and letter sent.

AC

[Dipply75]

Originally Posted by mfpa

This is presumably covered elswehere but why do we have no choice? What gives them any right to hold any of our personal info without our permission unless that info is already in the public domain?

Hi mfpa - this has bugged me for a while. I understand that if you sign an agreement with the section on sharing your data with the CRA's etc - ok, I get that.

What I don't get is where the hell did the CRA's get any permission to then use that data for marketing, profiling, selling and all the other interesting things they use my data for? When I sign up to see my credit file there may very well be a clause in their T&C's stating this (though I cannot find it) - but what about BEFORE i ask to see my file?

They hold a credit file on you - which is all you agree to on your loan or whatever agreement - when is all the rest that they make a fortune from agreed?

	Credit Report Click link to open in new window.

[angry cat]

I have today received my response!!! which was what I had expected



Thank you for your email to the Office of Fair Trading (OFT). Your complaint has been logged for our records and will add to our understanding of this UK market.



The Office of Fair Trading (OFT) cannot usually take action on cases brought to us by individual consumers. Our primary duties include the enforcement of competition law, the regulation of the consumer credit market through a licensing system and the application of consumer protection legislation in respect of matters that adversely affect the collective interests of UK consumers.



The OFT can also investigate markets that do not appear to be working well for consumers and complaints or information received may be forwarded to one of our market investigation teams for their further consideration.



For more information on the work we carry out, please feel free to visit our website at The Office of Fair Trading: making markets work well for consumers



You may wish to contact The Information Commissioner’s Office. The Information Commissioner enforces and oversees the Data Protection Act 1998 and the Freedom of Information Act 2000. The Information Commissioner's Office also handles queries on information held by credit reference agencies. They can be contacted at:



The Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire SK9 5AF

Tel: 01625 545 745
Fax: 01625 524 510



I hope this information proves helpful to you.



AC

	Credit Report Click link to open in new window.

[tierisch]

Signed up to the petition!

Tierisch

[SURFBOY]

any more info on this thread??