As far as i am aware it is a criminal offence to search your credit file without verbal or written consent. I have recently been traced by a bottom feeding debt purchasing company who have done exactly this. I am currently looking into suing for damages and distress for breaches of the data protection act and also report them to the ico for their breach. will keep you posted but clearly this is a practice that needs to be adressed and stopped. I personally think the time has come for a complete overhaul of how credit reference agencies operate.

Hi Ive had a look at your credit agreement and must agree that it is unenforceable. The cca 1974 s18 does require that the loan and the ppi insurance should be separate entities. They could not enforce it with a court order under cca 1974 s61 due to the fact that under schedule 6 of the 1983 si regulations repayments are prescribed terms and hence would need two signatures on two separate agreements. The mistake they made is bundling your loan and ppi into one agreement and monthly payment. Hope this has helped.