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 ------

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 ------