Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I was offered 10% discount at Brantano if I took out a store card. The form was completed and rang through by the shop assistant but as I refused to provide a telephone number, Creation finance would not complete the application. Reluctantly I gave a phone number as the discount was a considerable amount.
I was then declined again and told that I would recieve a letter in the post. I am a home owner, no debts, no defaults and earn a large wage. No idea why I was declined but there you go - I will arrange for report from equifax to review.
In the information leaflet Creation supplied with the letter it states Question "What personal details do you hold about me?" and the Answer "We hold the information that you supplied a the time of your application. This information may be used for analysis and account management purposes. All personal information is held strictly in accordance with the Data Protection Act 1998."
I do not want Creation Finance to have/hold any of my personal information. If I was issued a card then that would be different but as I was declined I do not see any reason why they should keep my details. Does anyone know if I am within my rights to request that they destroy all of this information and do they have to comply with my request?
No - this is a wonderful gotcha that allows your details to be passed on to a CRA and your details 'updated' with the latest information you have provided.
This was one of the adjuncts to the arrival of the money laundering rules, where financial institutions were to obtain all the relevant details of their applicant. It made no provision for the data to be discareded should the application not proceed for any reason, and the same goes for the CRA's - you give htem permission to search your file, and at this point they exchange the information you provided. Ad there is now no agreement in force, they cannot 'continue' to process your data themselves, but the info that was passed on to the CRA as part of your pplication remains. This is also true for those taking out Insurance policies - their info provided for the rejected quotations is retained by the Insurance hunter database.
Incidedntally, a telephone number is now seen as mandatory - and providing a 'virtual' one (from a VOIP or ersonal number company) gives you what you need to jump that barrier, and still cease the number at a later stage.
Creation Finance - personal details
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