EXPERIAN... The final battle commences

[car2403]

Can I just ask a question here...This thread and many others discuss the whole "Default" issue and it being a precursor to enforcement etc. But if it was defined under the CCA why are they also being used for other non regulated credit accounts, like CAR's O2 account, bank overdraft accounts even energy accounts? Are these therefore an illegal use of this term, just so commonly used we have all forgotten?

 

Just a question...was thinking about it this weekend

 

It's definately worth considering, but then until the ICO/the CRA's and the Courts take this issue seriously, and the "creditors" stop using unfair processes in dealing with claims, the issue may never come to the fore.

[car2403]

The guidance note by the Information Commissioners Office mentions Current Account overdrafts.

 

Common available products where exceptions (to the common standard) are justified are:

i. Long terms Secured loans

ii. Current Accounts with OD facilities.

 

So in terms of Data Protection Act, it looks like the Information Commissioners Office would allow at least the Bank Account Defaults!

 

BobbyH

 

It depends.

 

In theory at least, if you use an overdraft and default on payments, recording of the negative payment history (and to a lesser extent, the actual default on your CRA file) would be accurate under the DPA.

[pugsley]

good luck finlander, an interesting read and thanks for paving the way

 

I think there are no cases for defamation seachable because experian may have settled out of court, just a musing

 

I'm interested in the new lower courts defamation cases, I thought it very unfair that it was always a tort used mainly by the well to do.

[SilverLining]

:)......

 

OK anyone heard of Mr Mills? lets keep a record on here of the employees who write and their tactics and share... bit like they do really...

 

Finlander - here is a photo of the elusive Andrew Mills......

 

 

Here is his BIO: Andrew Mills - LinkedIn

 

Hope this helps

[Monty2007]

Finlander - here is a photo of the elusive Andrew Mills......

 

[ATTACH]4988[/ATTACH] [ATTACH]4989[/ATTACH]

 

Here is his BIO: Andrew Mills - LinkedIn

 

Hope this helps

 

I liked this bit:

 

Interests Scuba Diving (PADI), surfing, juggling, technology, yoga,

 

juggling - our credit records??

[SilverLining]

I liked this bit:

 

juggling - our credit records??

 

 

hahahahah - well spotted

 

They are juggling with their own careers if you ask me - if A Mills was 'that' good why did he try and worm out of court action (UK26 v Experian)? Hmmm, speaks volumes and to be honest he seems a little undereducated if not underqualified to act in such a post.

 

Freedom of Info suggests Experian had 200 complaints last year, you're telling me that Millsy dealt with each and every one on an individual basis? Not likely - blanket letters anyone......

[manchester1]

wonder whats happening in this battlefield

 

Manc1

[hsbclinkdcms]

Any news yet ????

[UK26]

yeap thats the guy, i met him at my last court hearing lol

 

 

Finlander - here is a photo of the elusive Andrew Mills......

 

[ATTACH]4988[/ATTACH] [ATTACH]4989[/ATTACH]

 

Here is his BIO: Andrew Mills - LinkedIn

 

Hope this helps

[car2403]

Any news yet ????

 

finlander did say that he would take the Court action required off this thread and wouldn't update it in case it undermined the case as a result.

 

I can only assume a Court claim is underway - suggest you stay subbed to the thread, as I'm sure we'll find out what happened once it's all done.

[jokster]

finlander...

 

best of luck fella

[Blaze36]

Am new to the forum and just read this entire thread! It sucked me in.

 

Good luck with it all and I can't wait to find out how it's gone.

[Chris_w]

subbing

[willtheywontthey]

yes good luck indeed. Very brave of you doing this and await details of how it all went.

 

In meantime if people are bored I came acros a little report by Capital One in response to some DPA questions ... Ministry of Justice has an overall report of all sorts of things the banking lot are tying to do to empower themselves more in relation to sharing of data and cras

 

http://www.justice.gov.uk/docs/Capital-One-Bank-(Europe)-Data-Sharing-Response.pdf

[mejules7]

subbing

[Sol]

Any updates with this?

[hsbclinkdcms]

sorry you havnt heard from me for a while. Thanks for al the input here. the fight goes on and we have reached that stage when I have to stop posting details to prevent the enemy knowing the next stage and how not to fall into it.

 

good luck everybody and I wil let you know when the battle is won...

 

 

So do you have an answer for us finlander ??

[knoxvillain]

Last Activity: 19th December 2008 18:39

 

Guess he doesn't come here anymore?

[SURFBOY]

finlander, how is the battle going?

[mejules7]

Hi

 

I need some help please.

 

My husband defaulted on an car finance due to family problems back in 2006. We agreed reduced terms with online finance and all was well until they decided to sell the debt to Cabot. The default from online finance was registered as satisfied, and all was well for 3 months then I check both our files and Crabot sorry cabot have registered the same debt although balance is more and so is the default date they registered it in October 08 - is this legal can they do this?

Any help would be gratefully appreciated.

Mejules

[lickthewallfatboy]

you need to start a thread of your own in the debt collection industry section

[Zorro01]

subbing

[hsbclinkdcms]

No point in subbing anymore, I think this is another case of 'confidentiality' issues.

[car2403]

I doubt it, Finlader said he wouldn't post back when Court proceedings were issued and won't come back to the thread until that is complete.

[SURFBOY]

Good luck anyway finlander