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Phone call re. secured loan - never applied for one!!


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My husband has a problem with a company that have now called twice regarding a secured loan. They have asked him for details to "process your secured loan application". Luckily he told them he wasn't interested (wish he'd asked them where they got the data from). However this is the second call we've had which means they've got his details from somewhere.


This is raising a few red flags for me - has someone tried to get a secured loan in his name and put a charge on the house?


The company that called are "Deme Consultants Ltd" and apparently are in Mansfield. Has anyone heard of this sort of thing happening before and what to do about it (I'm gonna S.A.R them asap - don't see why I have to pay £10 for data they should not have)?


Thanks :)

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May be wroth double checking both of your cred ref files just to make sure nothing fishy on there as could be a fraud issue. I've not personally come across the company you mention though...


You could also try writing to the Data Controller at the company and asking for an explanation then poss complaint via the Information Commissioner if no joy:


Information Commissioner's Office

Wycliffe House

Water Lane





Tel: 01625 545745

Fax: 01625 524510

E-mail: [email protected]

Website: www.informationcommissioner.gov.uk

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Registered No. 05379192









NG5 7EGType:Private Limited with share capitalIncorporation Date:01/03/2005Status:Small unquoted company filing only a modified balance sheetLast Accounts Filed:31/03/2007Last Accounts Analysed:31/03/2007



WITH A DODGY WEB SITE : DEME Loans & Remortgages

** Credentials **


10 Years Finance Fraud Investigator


5 Year High Court Sheriffs


2 Years Tip Staff Royal Courts


Currently : HMCS Enforcement Officer

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I have been getting lots of these calls since I applied for my credit records.


I just reply that Mrs Tiglet doesn't live there any more.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Thanks for the replies, I've been doing a bit of digging myself, and am starting to get a little confused...


Deme Consulting Ltd - Based in Mansfield, different address than the one at Companies House, but the phone number matches. Not registered with Information Commissioner with that address.

The address lodged at companies house (Nottingham) is lodged with the Information Commissioner, but the company name is completely different (see: Information Commissioners - Data Protection Register - Entry Details.

Either way, we've no idea who they are, and what they're doing with my hubby's info (and my mobile number, I've just found out :(). So the problem now is...WHO do I send the SAR to?



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Why not? You've got nothing to lose and they may well be able to give you more info on who these guys are.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Have you applied for any form of credit in the last 2 years a mortgage/remortgage secured loan, or made enquiries about one on the internet? I made one enquiry on internet about 2 years ago and generated literally hundreds of calls from all sorts of lenders, IVA specialists etc.

Better off spending £2 or getting a free trial from Experian to check your file as it is likely all a SAR will produce is your own details not where they orignated from.

Consumer Health Forums - where you can discuss any health or relationship matters.

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My husband applied for a couple of credit cards recently on the internet, both well known brands. He did apply for a secured loan about 4-5 years ago, but they never had my mobile number...the only guys that have are Virgin Money (one of the credit cards recently applied for).

I remember at the time having the same problem... dodgy loan companies crawling out of the woodwork offering money for stupid interest rates. Actually we still get the odd letter in the post, which get sent straight back to them in their envelope).

I think I'll bite the bullet and get his credit file...£2 is better than a nasty surprise later. Still not sure where to send the SAR, though!

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his credit file might just enlighten you - it's worth a shot.


Or you could sign up for the 30 day free trial (just remember to cancel!)

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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HI europa 16,

Just like Gizmo has mentioned above regarding previoulsy applying for a secured loan or (re-) mortgage triggering other "lending" companies off, be careful with Experian/Equifax as you can also start to receive calls from companies attached to them, such as DCAs, loan companies, debt management cos, etc.

Regarding your mobile number, if you are on a contract tel no then you are reasonably easy to find, especially if you are noted on the land registry / title deeds (just as one example).

I would SAR Deme to the mansfield address (if you have it in full). Send special delivery, little more money but then you are sure that it received. Also suggest that you send a £10 postal order so that you do not reveal your signature at this stage. The post office can advise you if your postal order is cashed.

Keep us posted


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Could be worth speaking with your local trading standards office about this company.....as if there is a suspected fraud issue then they may already have complaints and your contact could strengthen their case...just a thought, but could prove interesting!

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