Campaign to the OFT against unfair CRA practices.

[iddles10]

I have today received my response!!! which was what I had expected:(

 

 

 

Thank you for your email to the Office of Fair Trading (OFT). Your complaint has been logged for our records and will add to our understanding of this UK market.

 

 

 

The Office of Fair Trading (OFT) cannot usually take action on cases brought to us by individual consumers. Our primary duties include the enforcement of competition law, the regulation of the consumer credit market through a licensing system and the application of consumer protection legislation in respect of matters that adversely affect the collective interests of UK consumers.

 

 

 

The OFT can also investigate markets that do not appear to be working well for consumers and complaints or information received may be forwarded to one of our market investigation teams for their further consideration.

 

 

 

For more information on the work we carry out, please feel free to visit our website at The Office of Fair Trading: making markets work well for consumers

 

 

 

You may wish to contact The Information Commissioner’s Office. The Information Commissioner enforces and oversees the Data Protection Act 1998 and the Freedom of Information Act 2000. The Information Commissioner's Office also handles queries on information held by credit reference agencies. They can be contacted at:

 

 

 

The Information Commissioner's Office

Wycliffe House

Water Lane

Wilmslow

Cheshire SK9 5AF

 

Tel: 01625 545 745

Fax: 01625 524 510

 

 

 

I hope this information proves helpful to you.

 

 

 

AC

 

What an absolute shambles and a disgrace. Your letter was completely relevant to their objectives, if consumers across the board are effected by these issues. There's nothing worse than getting the "read this leaflet" response.

 

If they won't listen to individuals, perhaps a petition would have been better.

[izzitme101]

If we all send the letters to our mp's to, we should also find out who are in the opposition seats, and send the same to them as well, get

enough and all parties will be promising to do something

It isnt to difficult to find out who are opposing, quick google search usually does it.

[yourbank]

What an absolute shambles and a disgrace. Your letter was completely relevant to their objectives, if consumers across the board are effected by these issues. There's nothing worse than getting the "read this leaflet" response.

 

If they won't listen to individuals, perhaps a petition would have been better.

these issues are stored and the bulk of claims reported is how they take regulatory action since they do not take action based on one single complaint.

[Dipply75]

Hi mfpa - this has bugged me for a while. I understand that if you sign an agreement with the section on sharing your data with the CRA's etc - ok, I get that.

 

What I don't get is where the hell did the CRA's get any permission to then use that data for marketing, profiling, selling and all the other interesting things they use my data for? When I sign up to see my credit file there may very well be a clause in their T&C's stating this (though I cannot find it) - but what about BEFORE i ask to see my file?

 

They hold a credit file on you - which is all you agree to on your loan or whatever agreement - when is all the rest that they make a fortune from agreed?

 

I have to ask this again as I cannot get this settled in my head - blonde as I may be but:

 

When the CRA's take all the data they hold on me and process it, chop it up and package it and sell it as mailing lists, direct marketing tool, use it for reports, analysis etc all for a fee..........where did they get my permission for that?

 

Surely without my permission for such activities they should not be using or selling my data for profit? There seems to be an assumed right to profit in anyway they like from the data they hold for their CRA activities, but when did they ask me if they could do that?

 

Anyone?