Hi

Does anyone know of a consumer group against the way Credit Agencies have so much power over our lives.

I was refused a Contract with T-Mobile for £75/Month. Strange given I own my own Home, have no Morgage, pay my existing credit card at in full at the end of the month, pay ORANGE £35/Month, pay £108/Month for my TV/Phone/Internet, never been overdrawn and have a considerable amount of funds in my current and savings account.

T-Mobile told me it was because of my Credit Rating so I paid Equifax £14.95 for a credit listing. I was horrified to find 2 DANGER warnings. One was that a CCJ which had been satisfied over a year ago was on the list for 6 Years! This was a joint CCJ with individidual with whom I was in business. He has not had his Credit File marked satisfied and Equifax told me that I would be finanially accociated with him until he did (for life). Not bad giving that I cannot contol the actions of another individual.

The other indicator was a DANGER for CAPITAL ONE, a credit-card company that I used in 2002 but because I changed address and my mail was not forwarded I missed 3 payments. This also will be on for 6 Years.

Worse still, my local council had, without my authority, requested a joint credit check on myself and another individual which whom I have no deallings at all. I had then financially associated to this individual without my knowledge. The Coucil did rectify this but unless I have paid for a full credit report I would not have been aware of this fact.

I spoke to equifax who I must say treated my like dirt. In particular the way they spoke to me about the CCJ, saying things like "well its your own fault isn't it" and saying that the 6 Year ruling of them holding data on my account for all to see was Law. They also patronised me by using my first name as though I was a schoolboy.

Has anyone else had similar experiences and is there anything one can do about the appalling 'Big Brother' and Patronising approach of these credit agancies who are at the end of the day Private Companies.

Are my Human Rights being infringed? if anyone can point me to case law I will glading take them to court.

----- Keep up the fight for Consumer Rights ------

The other indicator was a DANGER for CAPITAL ONE, a credit-card company that I used in 2002 but because I changed address and my mail was not forwarded I missed 3 payments. This also will be on for 6 Years.

This happened to me too I wonder if it is a deliberate ploy by Cap one I definately told them I had moved grrrr.

As for being associated with someone else write to them stating that my finances are not linked with such and such and I have nothing to do with them which should sort that one out.

As for CCJs for 6 years yeah thats how that works unless you can go back to the original company that got it put there and ask for copies of credit agreements etc and if they cant provide them then you can ask them to remove the information

had a similar thing with cap 1, wrote to them demanding adjustments to be made. and they did!

Hi, I have had problems with them. I initially applied for a CCJ check from Registry Trust Ltd and received a reply saying nothing was registered, BUT On my credit report there is a ccj registered in 2003. So I queried this and was told to contact My local county court who told me they did have one that was issued by default but on the same Case no the company involvehad tried to put a charging order on the property. we went to court for this and the judge dismissed and discharged the order. She went on to tell me that they dealt with Registry Trust and to contact them. They said they would need a request from Experian, a fax request should take about 48 hours. So I rang Experian they said they had a 4 day backlog for correspondence. But would deal with it asap. 8 days later I snt a email request to their site querying my query. 7 days later I received a reply by email saying that they were still waiting for a reply from Registry Trust??? And perhaps I should contact my Local County Court!

I think that's where I started........ I then snt another email explaining this and requesting help or advise from "ask the Expert" That was 4 days ago and i've heard nothing!