CAG CRA S.A.R Club

[ODC]

It looks like our fiends (sic) at Experian are going to very busy dealing with SARS over the next couple of weeks. Just think if every member of CAG applied at once for what we are LEGALLY entitled to do. They may not have time to pass on all the information to all their mates in the DCAs

[sosumi]

Okay, I'm going to send this. I've changed it a bit, as I can refer to my printed CRF, but essentially it's CB's letter:
Post doesn't leave here until late afternoon, so if anyone sees any mistakes etc, please let me know?

Data Protection Act 1998
Subject Access Request

Date: 3-9-2007

Dear Sir/Madam
DATA SUBJECT:
Sosumi, Sosumi’s Address

Please supply me with a complete breakdown and copies of all information held with your organisation.

Also details for every organisation that has accessed my data for the period which you hold records and any supporting documentation and notes.

Please consider this a request under section 7 of the Data Protection Act 1998. I enclose the statutory fee of £10. You have 40 days in which to comply.

I previously subscribed to CreditExpert, and also requested a hard copy of my credit file from you, which you provided dated 23rd August 2007, ref: ********/**. You should therefore have all the details you require from me, but please let me know by return if you require any other specific information.

Thank you in advance for your assistance with this matter.

I would appreciate your due diligence.

Yours faithfully,

_____________ (signature above line as per CB's suggestion)

Sosumi

[ODC]

Do you think you should put in a paragraph regarding any telephone calls they may have made or received regarding your data. Just a thought

[Curlyben]

Sosumi, you want to sign through the printed line to ensure they can't photoshop special it later on

[oneofakind]

subscribing. I smell a BIG can of worms opening...

[djdave]

I've got a grave and genuine concern with the lack of diligence shown by CRAs when blindly accepting the word of a DCA.

I believe that a DCA should be required to provide proof, in the form of a signed executed agreement, that a debt exists before the CRA would even entertain the thought of recording a default on a person's file.

When an ordinary pleb like me complains to the CRA about an incorrect entry, we're told to speak to the DCA - who of course are as much use as a bottle of factor 4 suncream on the surface of Mercury.

It's a very one-sided arrangement, and it's starting to come to light just how cosy the relationship between the CRAs and DCAs really is.

[lolly371]

so have i got this right? the CRA's help the DCAs by passing on our information, and the debt counsellors have been patting the DCAs on the back for a job well done! its no wonder the DCAs have been running riot, the people who are supposed to be helping us, the consumers, are actually helping them, the debt collectors, in the background. we havent stood a chance!!!

[hsbcfiddled]

subscribing...If you wrote a book or made a film about the activities of these CRA's and DCA's- people would think Star Trek was more believable.

[djdave]

Originally Posted by lolly371

so have i got this right?

Nail on the head, sadly.

[Curlyben]

lolly, there is NO evidence that the CRA's actively pass our information to the DCA's, but it is known that the DCA's trawl the CRA's records.

[ODC]

Originally Posted by Curlyben

lolly, there is NO evidence that the CRA's actively pass our information to the DCA's, but it is known that the DCA's trawl the CRA's records.

No forgetting of course that Experian is owned by a DCA.

A conflict of interest if ever their was one

[Curlyben]

ODC, it's the other way round.
Experian owes a DCA

[lolly371]

[quote=djdave;1109601]
I believe that a DCA should be required to provide proof, in the form of a signed executed agreement, that a debt exists before the CRA would even entertain the thought of recording a default on a person's file.


i totally agree with that, we need 100% proof if we want to remove anything, but it seems the same doesnt apply if they was to add something

[lolly371]

Originally Posted by Curlyben

ODC, it's the other way round.
Experian owes a DCA

really? which one? you wouldn't think it would be allowed, would you? what am i saying!!!!!!!!! they do what they like!!

[Curlyben]

http://www.consumeractiongroup.co.uk...hlight=equifax

[sosumi]

I've been thinking about ODC's post about telephone calls etc, and wondered about adding the following?:

Additionally, where there has been any event which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to your keeping my records.

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

What do you think? I've got a few hours yet before taking it to the Post Office, so again any help much appreciated!

Busy paying bills/writing cheques etc at the mo, but will get this posted today!!