new member, advise request

[Lushbury]

Hi all, i would just like to say what a great forum this is and a big HI to all the members. I have spent a few days reading some of the posts and i think that this is a great community, and its great to see all you people working and helping together, a thing that is missing in the human race now a days. Keep up the good work.

 

Any way, a question, i have read many posts but am a little confused, am i right in saying that a person can stop any CRA from processing there information? i mean have all your data taken of there systems ?

[tiglet]

Hi there lushbury and welcome to the forum.

 

It is incredibly difficult (if not impossible) to get CRA's to stop processing your information.

 

However, it is possible to sometimes do something about adverse or incorrect information on your credit reports.

 

If you let us know your particular problem, we may be able to give you more specific advice.

[Lushbury]

well i dont really have a problem apart from any one that wants info on me can get it, and i mean DCA's and also i have noticed that if you go on the net and type in your name, any one cant get your address and personal information, and most of these sites are sponcerd by expiern and these sort of companies. i fed up with all this bull sh......t and have made it a personal vendeta to fight these companies, i took Natwest to court on bank charges and got back 6k, so now im going through my hate list and CRA's are the next target.

[tiglet]

To be honest, no company is allowed to search your credit records without your permission, usually in the form of a credit application form or a DCA taking over when a debt is in dispute (although this does sometimes happen, but it's against the DPA and so can be fought against).

 

I'm not quite sure what you mean by typing your name into the net and being able to get your address and personal information. If you feel CRA's are acting incorrectly with your data, the first thing to do would be to invoke their complaints procedure. If that does not work, you can involve the Information Commissioners Office.

 

If you want to find out exactly what has happened on your "account" with the CRA's, rather than just your credit records, i would suggest sending a S.A.R - (Subject Access Request) with the £10 fee to get all information they hold on you, including whether they have allowed your information to be sold or provided to a third party without your express permission.

[Lushbury]

Ok, what i meant was that if you type your mane into google, there are companies associated with the CRA's that show all your personal info, ie. home address etc.........

Do you have a template of a SAR to the CRA please?

[axiomin]

Hello to one and all. Think this site is amazing!!

 

Need some advice really. Have followed procedures on bank charge reclaim with Natwest for an old business account set up in a limited company. Natwest made an offer - i accepted it but now they will not honour as the company is no longer trading. What can i do it is for just over £6k?

[Lushbury]

has the company been struck off? if not it does not have to be traiding, as long as the company is still alive and in good standing then you can carry on with your claim.

[axiomin]

Thanks for the reply.

 

The company ceased trading settled all debts including an O/D with natwest which we gave personal gtees for. There were no bad debts. The company name is now owned by another person and is trading.

Even if i got a cheque in the company name i would regard this as a result.

[Lushbury]

write to nat west and tell them that the company has not stopped traiding and you want the money otherwise your going to issue proceedings against them.

[MARTIN3030]

Cras will not voluntarily remove data unless you can prove it is factually wrong.If you dispute entries they will normally contact the creditors or the ppl who supplied them with information if they stand by what was supplied was correct then they will not remove it.

A court has the powers to order removal but will at first want to see that you have tried to negotiate with them and of course you will need to show good cause.

Cras have no stat powers given by parliament....they simply operate as indipendent business with no legal force.There have been suggestions that you can ask them to remove your data completely so it is only available to be accessed by manual means.Of course this can be counter productive to you also....for future applications by you that may require a credit search.

[MARTIN3030]

Thanks for the reply.

 

The company ceased trading settled all debts including an O/D with NatWest which we gave personal gtees for. There were no bad debts. The company name is now owned by another person and is trading.

Even if i got a cheque in the company name i would regard this as a result.

 

 

I see you have asked about this in your Natwest thread and Lula is looking at it.

 

If the company is no longer trading then they will of course dispute it.Who was the directors ?

You will need to satisfy NW that it is you who are claiming personally and that there will be no further claims by other named directors.

You say there was no debts so this makes things easier...usually the reciever would have first bite of the cherry to satisfy outstanding debt.