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Luco19

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About Luco19

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  1. Received response from ICO regarding this matter and again they dont really seem to care that my data is being breached. Because i have sorted the matter of having the wrong information removed from my credit file myself they see it as job done. With regards to the third party information i received they are going to deal with this directly with Volkswagen and have no further dealings with myself as this concerns another person. So much for this new GDPR, the whole system is a joke.
  2. In the past ive had this problem with all 3 agencies. This recent bout of mistakes are with Experian and call credit. Experian knew that the linked addresses were wrong but refused to remove the links even though the company (O2) had removed the accounts because they had put them there in error. Call credit added 11 accounts that were not mine either CCJs/Defaults or accounts in arrears, they also changed my name on my electoral roll and i have had many of email over the past few months trying to sort this. They state my electoral roll entry had changed because the majo
  3. Hi , yes it was made pre GDPR, but not looked at until it came into force.
  4. The CRA is definately responsible for giving out my details , but they state this is only a possible match and is up to the company to carry out the appropriate checks to make sure they have the right person. I have made a complaint to the ICO and they have found what the CRAs are doing is perfectly fine, my arguement being is that they know the data they are recording is wrong and have admitted that it is wrong but refuse to remove it with out the comapnies permission, however they see it as the companies fault and the CRAs are just a third party recording the data. In my o
  5. Hi DX, The letter has a phone number but no email address. I will try ringing and asking for the person on the letter but i very much doubt i will get to speak to that person. Thanks
  6. Just received a final response today from Capital One. They have been unable to locate any account for myself with the details i have supplied, with this they are unable to supply me with a SAR. They have requested DOB, previous addresses etc to assist them locating an account and also request a screenshot of the account showing on my credit file. Never done a MCOL before so may need help, or should i ring them and try sort it over the phone ?
  7. They have said they have contacted the company and the company stated the information is correct. The information i have requested is what evidence have they supplied to Experian to prove they are correct , and if they have not supplied this information then why were Experian refusing to remove the information. Experian have told me to contact the company O2 to sort the matter out myself, what should happen is say hold on , you have added this data incorrectly and the customer has disputed it, can you now provide us with the evidence that you think this is correct. But NO , what
  8. SAR received from Experian, however most of the correspondence has not been sent with the SAR, im assuming this could be because it was issued before most of the follow up emails have taken place, so i will fill you in with the information. 1/5/18 Email received stating accounts had been removed from my credit file by the lender. However the linked addresses were left on my report and Experian stated they would not remove them without the consent of the company, even though they know that the information is a mistake and could further damage my credit reputation. 1/5/1
  9. They certainly gave me no time when they decided to destroy my credit report and start harrassing me with debt collection letters so simple answer to that is no im not willing to wait 8 weeks.
  10. SAR received in time, letter of complaint sent regarding why they keep changing my electoral roll, this is there response on this matter which i find unbeleivable that this could happen, “After investigation, we can confirm that we are now making arrangements for your credit report to be amended. You will now appear on the Electoral Roll as xxxxx xxxxx. However, because there are accounts on your report in the name of xxxxx xxxxxx xxxxxx, this may re-appear. If this is the case, you would need to contact the lenders that are supplying the name xxxxxx xxxxx xxxxxx and have th
  11. 14 days LBA sent on the 26/6/18 5/7/18 letter received from Capital One stating they will investigate which could take upto 8 weeks. Advice what to do next ? press ahead with claim or give them time to investigate. Thanks.
  12. just to let you all know what is happening regarding the matter with Barclays. They have failed to even acknoweldge my SAR, i have my signed for receipts obviously and want to know what the procedure is now, what i have read online does not make a great deal of sense as regards to unanswered SARs, according to the ICOs site i must now send them a reminder and give them 28 days to respond ?? I thought the whole purpose of these new GDPR rules was to get a full response within 30 days otherwise they would be in breach. Advice appreciated. Thanks.
  13. Just an update to let everyone that is following this thread know whats going on so far, Lloyds like all of the banks i have dealt with have requested a further 60 days to produce a SAR. Ill post again in September.
  14. Thanks for the reply mrabody, yes the forms were quite lengthy but i reluctantly filled them out in the hope i would get the information i had actually asked for quickly. As of today i am still waiting for that information.
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