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    • When were you stopped please? HB
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    • Thanks HB, i will take your advice 
    • Update: I wrote again to WODC and again they have failed to reply. I also wrote to my 2 local councillors and the Leader of the council.....   Only one of them responded, my local councillor who also happens to be "Executive Member for Finance" , and he said that he had asked the relevant officer to look into it and report back, then he would come back to me with the response. I haven't heard back and it's now a week. I'm seriously beginning to think that someone there has been alerted to the fact that they have fuffed up, and they are dragging their feet until they can cover their arse! Do you think it is worth sending a reminder email to the councillor that responded, or should I give them a little longer ?  I have stopped receiving SMS's from B&S so maybe they have been asked to lay off, but I have no sure way of knowing ! I also have the email address of the CEO of the council, maybe I should send him a copy of the above, stating that I am still waiting for a response and that I am completely in the dark about B&S.
    • There's no need to borrow words from another thread here; we don't have a template. Do this in your own words or it won't sound sincere and may not even apply to your particular case. If I were in the investigations department, I wouldn't be impressed by someone who copied and pasted rather than write their own letter. And please don't use AI for this, people can spot the style a mile off. Para 1 - tell them why you did it, no excuses other than trying to save money. Para 4 - tell them you're using the PAYG card. They won't tell your employer but you probably should if you're convicted. Covering up a conviction is worse than having one in the first place. ETA: Check if there's anything in your employment contract. As I said, you don't send anything until you hear from them because they won't be able to find your case without their own reference number. HB  
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Bank shares credit details


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I am aware that the following is from 2005 but are banks allowed to share such information under the Data Protection Act?

 

Bank shares credit details

25.08.05

HSBC has become the first UK bank to share once-secret customer details with other banks and credit companies in an attempt to crack down on irresponsible lending.

Banks have long shared details of customers who have been struggling with repayments, but from now on HSBC will give credit-referencing agencies details of all the HSBC borrowing products customers hold.

A clearer picture

The Association of Payment Clearing Services backed the move. "This will enable lenders to build a better picture of someone's exposure to debt," said spokesperson Mark Bowerman. If more lenders followed HSBC's lead, lenders would be able to see how much debt the customer has already, making them better-placed to work out if they can afford to take on any more.

HBOS - the UK's largest mortgage lender - has also called on the government to release details of council tax arrears and student debts. However, as this demands a massive loosening of the data protection rules, the government is unlikely to bow to this wish any time soon.

Bad debts

The announcements follow BBC claims that trusted high street banks, including Lloyds TSB, have been mis-selling loans and loan insurance.

HSBC's move is a step in the right direction, as evidence mounts that we're starting to struggle with our £1.1 trillion collective debt. Lloyds TSB has recently confirmed that losses on its loans increased by 21% in the first six months of the year. HSBC said its bad debts were also worsening, while figures from the Council of Mortgage Lenders reveal that repossessions have increased by 50% over the last year.

How to measure?

However, even if more information is shared, the fact remains that there's still no effective guidance on how such data should be interpreted. Damon Gibbons, chair of charity Debt on Your Doorstep, said: "There's still a need for an objective measure for over-indebtedness. The government is struggling with this."

Despite government attempts to protect us from debt problems, there isn't any requirement for lenders to ascertain affordability. Paul Latham, finance director for Debt Free Direct, said: "We've got stronger rules for protection after the event, but we need them before the event."

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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That is what credit reference agencies do, share information, which reading this seems to be ok under the DP Act. The way I see it is that HSBC are showing any lending their customers have, not just loans etc. Not sure what else there would be though as I am not an expert.

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