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About DaveMurphy

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  1. Actually, has it even been determined that what Google were doing was illegal? The press coverage has been rather sensationalist and implies that Google were deliberately collecting sensitive data from wifi networks when actually said data was being leaked from unencrypted transmissions. If your router was previously unprotected then Google having your data is the least of your worries.
  2. Everything I can find on the subject says that the Data Protection Act requires explicit and informed consent for information sharing. I asked the Information Commissioner's Office for some clarification on this but I'm still waiting on a reply. There's a good explanation of the DPA at Data Protection In my opinion British Gas are in violation of :- The first principle - personal data must be processed fairly and legally. Very few customers have been made explicitly aware of the use of their data for CAIS. The second principle - personal data must only be processed for limi
  3. Which begs the question of why they were informing some customers in the change to their relationship with credit reference agencies last september. http://www.consumeractiongroup.co.uk/forum/utilities-gas-electricity-water/222306-changes-british-gas-credit.html
  4. It does in 10.2 © but, no matter, they still need to inform you of a change like that in writing. There's another post at http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/232235-dca-reporting-cra-where.html#post2573960 which mentions default notices being placed on credit files by DCAs acting for BG. Best thing to do is probably take Nottslad's advice & issue a Subject Access Request. There's a template for that at http://www.consumerforums.com/resources/templates-library/48-bank-templates/110--data-protection-act-1998-subject-access-request I'm cons
  5. Pelham, British Gas have their terms & conditions online @ Terms and Conditions - British Gas which they could have pointed you to. I'd assume they're required to supply the information in writing on request too. Royboy, looks like you missed an attachment? Getting back to the subject of CRAs. What_Todo, I certainly wasn't informed of CRA reporting when I first signed up with British Gas. My details were taken to do a credit check in relation to a security deposit. No data was reported by BG on my accounts until *after* I was sent a final bill ( I moved house & changed s
  6. They may still be able to block your changeover request so don't count your chickens just yet. Personally I'd wait and see if it goes through before poking anyone about the arrears ( I've suffered from BG appalling customer service too ). As for the reporting to credit reference agencies, after some research on the subject I'm pretty sure they're doing that illegally. See http://www.consumeractiongroup.co.uk/forum/utilities-gas-electricity-water/235128-british-gas-cras.html
  7. As far as I can tell if, and only if, the British Gas Terms & Conditions contained the information on sharing data with credit reference agencies then it would appear that they can do so, assuming that you were sent a copy of said T&C. However, if your account was opened before this change then their actions are a clear breach of the Data Protection Act. I found some information on a consultation about non-consensual data sharing which is summarised at PLC - Sharing non-consensual credit data: further work to be carried out following consultation responses I can't fin
  8. The search is working again today, details for British Gas are as follows :- Application / Licence Details Licence Number:0411962 Licence Status:Current Current Applicant / Licensee: Business Name Company Registration Number British Gas Services Limited 3141243 Categories: Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting Right To Canvass Off Trade Premises:Yes Trading Name(s) (Current): British Gas British Gas Service British Gas Services British Gas Trading Celsia
  9. It probably means they don't have a clue what you're asking for. The OFT have a public register of Consumer Credit License holders at Public Register . I just tried to search it but it seems to be broken at present. I'll ring the number tomorrow and see what they say. Does anyone know what the regulations are concerning how and why a company can place information on your credit record. What I can find so far implies that they require your explicit permission in order to do this.
  10. Darn, missed the deadline on this. What happens when you don't make 500 signatures?
  11. Interestingly I have British Gas showing on my CreditExpert report but not on another credit report obtained through a similar service provided with my credit card. Both reports are provided by Experian so I have no idea why they're different - being honest I'm scared to ask :-? Something I'd also like to know is if an account can be marked retrospectively, for instance after you move house & supplier and have not yet paid a final bill.
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