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About crew74

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  1. Thanks for clarifying Citizen B.In my case they are saying that they can record a Default capital D without having to notify the debtor.I therefore have stopped repaying this debt and informed them of the dispute .But as it is a very small amount they do not seem bothered about enforcing the debt.I would rather they enforced the debt in which case I would settle the full amount against the removal of the Default.
  2. Unfortunately credit is cheaper these days than paying upfront!!!You will agree that a mobile phone on contract is a lot cheaper than a prepaid where the comm price is through the roof, same for utilities.So not getting credit turns out to be more expensive than living on credit and that is where the blatant unfairness lies.
  3. Thanks for clarifying! But do you think that is is FAIR that an 80 year old man who probably behaved honestly and responsibly (I am making an assumption) throughout his life has to go through this sort of embarrassment...Simply because he does not fit the box. This is only acceptable in a totalitarian system. Where I come from (France) if they had such a system heads would start rolling...again.... My Granny is 86 and and she never borrowed anything in her life and has a substantial savings, all she had to do to get her contract is to show them a copy of her passport, a cancelled cheque and
  4. Thanks for your comments , I definitely KNOW that the data recorded does NOT reflect the way my accounts are managed, and that the Data Protection Act is ignored when it comes to my rights as a Subject. As I mentioned in my post, I am not after obtaining any credit at the moment. But I am very unlikely to put up with defamation when I am actually paying back (and more).In addition, there is a very easy way to assess one's solvability by asking them to provide hard evidence of their earnings, address ect. But I suppose it would not be very profitable for CRA's. A REAL default should be recorde
  5. As always, nothing will get changed if we just meekly accept things as they are. I know for fact that these CRAs do not operate in France and defaults or breaches of credit agreement are issued and registered with a governmental body (Banque de France) and if the Debtor rectifies the situation at any time during during the 5 years the entry is subsequently deleted.Credit is subject to hard evidence (payslips , proof of address and letter from your employer stating that you are not in any termination of employment process). With these criteria in place the need for CRA is non existing. When peo
  6. How about replying that you only gave permission to share your data, because you assumed you had an enforceable and regulated agreement.As it's not the case your permission to share data is not valid therefore it has to be removed.
  7. CitizenB thanks again for your precious advice. Do you know if requirement re CCA are the same regardless of products (ie current account, credit card, loan)? Or is there some variations as to what they are required to provide depending on the product?
  8. HME4x4, couldn't agree more. It is high time to regulate these companies!! However, I'm afraid that on the UK level it's generally accepted that it's OK for these companies to replace governmental powers. Even Vince Cable admitted that it would be impossible for CRA to verify the accuracy of their data and that there was a conflict of interest in the way things are set up. That's why I think it might be more efficient to campaign on the EU level as I am sure our French and German counterparts would be appalled that the government allows private companies to process sensitive data, to sell it
  9. http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/194720-we-own-data-time.html That's another thread I started regarding default on credit file. Any advice?? Thanks
  10. Thank you Citizen B, have not received anything re default notice.Still waiting but they are now in default of my request as 40 days have passed.
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