Campaign to the OFT against unfair CRA practices.

[100mel]

I'd like to join this - am I too late for a consent form - from previous experience OFT will actually listen to a mass complaint - we need something to hit these CRA's who consider themselves to be beyond any law

[babybear39]

Hi 100mel, send the letter and sign the petition...

[finlander]

keep at people;)

[Armsoft]

Petition Signed

 

Only 62 Names on the list? We must be able to do better than that, surely???

[finlander]

well pass the word on... get everyone you can

[sillygirl1]

I'm on the list - or should be twice, once for Cap1 and once for Mackenzie Hall who are chasing an unknown alleged debt... they sent one of those payslip/pin letters from Patrick Stewart.. I think they must be Star Trek Fans.

 

Letters going out AGAIN to them tomorrow and to the OFT who their Trading Standards passed me on to..

[BoSBoY]

count me in..

[Misterzeus]

Good morning all, Mrs Z here

 

We have this morning received a response back from the OFT re the CRA mass complaint, so will be signing the "Permission to Disclose Complaint" and getting it off in the post asap.

 

The more people that complain and sign the petition, hopefully the OFT will be forced into taking action.

[babybear39]

Signed and posted mine last week and received acknowlegement of such this morning

[victimnomore]

Petition signed.

 

Letter coming off the printer now - will be posted 1st class this weekend.

 

Please don't be downhearted, finlander. You ARE doing a great job!

[banker_rhymes_with]

Sorry for delay, signed the Petition but have only now got around to sending off the Letter to The Office of Fair Trading...but a few more Letters now on their way, as have circulated the Letter amongst friends and family.

 

I made a couple of minor changes, mainly adding a final additional paragraph:

 

My own recommendation is that Default Markers should be time-limited, and should be deleted within a set period after issue if no Court action has been instigated. Furthermore, repeat Default Notices should not be allowed on the same Account, to deter further abuse of their true intention.

 

Cheers,

BRW

[finlander]

keep it up people.... sounds like the OFT are getting interested......

[andrew1]

keep it up people.... sounds like the OFT are getting interested......

 

It's thanks to people like you Finlander (mornin by the way ) all kinds of changes are going on within the Credit industry. You just need to scroll though some of these stories to see what is happening and it's by no means not least as a result of the collective hammering given by people on here to these companies and organisations...as you say, " keep it up folks " and well done..

 

Credit Today online

 

 

Sarah

ps..what the ** are we up at this hour for on here ?

[flintstones1960]

Petition signed & will send letter off in the morning

[jo5ephedward5]

Petition signed - which version of the letter is the best to send [i have seen a few over the course of this thread!]

[Hadituptohere]

Hi jo

The letter in post 88 is te one advised to send

[jo5ephedward5]

Sent...and auto aknowledged:

 

"Thank you for your email to the Office of Fair Trading (OFT).

Unless your email concerns a [problem], we will usually respond to standard enquiries within 10 working days".

 

lets hope this isn't a [problem] else theres no knowing how long it could take for a response!

[SURFBOY]

Anyone any updates on this campaign?

[mfpa]

I also think that as we have no choice but for the CRA's to hold our info, we should not be forced to pay for access to it - their fees should come from the profits they make selling access to it.

 

This is presumably covered elswehere but why do we have no choice? What gives them any right to hold any of our personal info without our permission unless that info is already in the public domain?

[AA99]

Signed and link posted on everything else I could find

[angry cat]

Petition signed and letter sent.

 

AC

[Dipply75]

This is presumably covered elswehere but why do we have no choice? What gives them any right to hold any of our personal info without our permission unless that info is already in the public domain?

 

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?

[angry cat]

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

[tierisch]

Signed up to the petition!

 

Tierisch

[SURFBOY]

any more info on this thread??

Edited April 18, 2009 by SURFBOY
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