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.
Experian report... q. on previous searches made by lenders.
I had a house re-possessed approx. 12 years ago, was in touch with the lenders up until 1999... and made token payments for several years before reaching an agreement to settle. I only settled with a miniscule sum, but it was accepted in Full and final settlement and my personal liability with the lender ended (still have all the letters stating this). They also promised to update Experian to reflect the settlement which, since there is no info. on the report, can only assume that they did.
However, I have just received my report from Experian and under "Previous searches", it shows that a search was made by these people only 3 months ago ! Can anyone shed any light on why they may have done this ? The application type is shown as "unrecorded enquiry". I have heard nothing from them, but am starting to think that they might contact me again and am beginning to panic in advance...
Re: Experian report... q. on previous searches made by lenders.
An unrecorded search does not have any detrimental effect on your credit status.... BUT.....it means that the searcher has made notes on the state of your credit status and the state of your other accounts.
If they did accept the settlement and you have record of this in writing ....then you do have a case for breach of the data protection act obtaing information without....
a) your consent
b) without a legitimate reason
This would be without doubt a breach of the First Principle of the Data Protection Act unlawful processing, and more than likely a breach of Article 8 of the European Convention on Human Rights ( the right to respect to privacy of home life and correspondence).
Re: Experian report... q. on previous searches made by lenders.
The fact that they made have made notes on my credit status is a bit worrying after all this time. I have had another thought since... that maybe it had something to with an entry being removed after 6 years as settled in the credit file... but still cannot understand why they would have need to look at my account to do this. They already know who I am and my current address has not changed since I was last in contact with them in 1999.
I have kept all letters... the settlement was in Full and final settlement and it was also stated that my personal liability had ended with them.
They have not asked permission to access my credit report and I am cross that they have done so. However, this was a very painful and distressing episode of my life for many reasons and I have no wish to go back there again.. This makes me very reluctant to contact them... particularly when they have not contacted me.
Makes me wonder... are we ever really free of any of this ?
Thank you for your posting Sparkie ... I will quote all that you mention if they ever do get in touch.
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I AM NO LONGER AN ACTIVE MEMBER OF THIS FORUM AND WILL ONLY RESPOND TO POSTS ON SUBSCRIBED THREADS.
Experian report... q. on previous searches made by lenders.
settlement and my personal liability with the lender ended (still have all the letters stating this). They also promised to update Experian to reflect the settlement which, since there is no info. on the report, can only assume that they did.
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... I will quote all that you mention if they ever do get in touch.