When you obtained the loan from us, the consent you gave at that time to the processing of your personal data covered reporting defaults to Credit Reference Agencies. Such processing of your personal data in these circumstances would be fair, lawful and warranted. We woudl inform you that, given the processing of your personal data in this manner were consented to by you as part of the arrangement for lending you the money; it is not open to you to unilaterally withdraw that consent. Accordingly, we do not accpet your notice under Section 10 of the Data Protection Act 1998 and do not intend to comply with it. Isn't this statement basically saying that you agreed to them processing your data, presumably in the small print on the "agreement" which they now can't find. So it would not be a case of you unilaterally withdrawing that consent, as it can't be proven it was ever given in the first place!

I know this is quite an old thread now but I thought I would post what I've found in case it helps anyone. I'm just a nobody trawling the internet so please anybody who knows more correct me if I am wrong. NZ and UK DO have a reciprical agreement But it only applies to cases in the supeirior court - which I'm guessing rules out county courts. On hm courts money claim online faq section it says: "The defendant lives abroad can I still file a claim?" "No. They must have an address in England or Wales" Seeing you said you were not in default and already living in NZ then I take this to mean that they will be unable to take you to court in the UK unless you go back. Finally I think under the cca 1974 (or it could have been the oft site I read it) all DCA's must have held a cc licence at the time the debt was incurred to be able to even ask you for any money and I can't see any NZ ones bothering to get a UK licence. Like I already said I have NO legal training so do your research this is just a starting point and Please do correct me if you know better!!!