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Hi, I haven't long joined, and I am still finding my way around the board and all the threads.

 

There is so much to take in, I have been reading about CRA and data protection act, but still don't really understand everything.

 

Hoping someone can help out. Are companies allowed to pass on your information to CRA how do they get round this with the Data Protection Act, and also I want to start challenging things on my credit file, I know I need to contact the companies and get files. What is the next step to get it cleaned up.

 

 

Thanks for any help offered

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if you can prove the info is wrong or they had no agreement inforce with you at the time then it 'must' be removed.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks DX, when I get my files do I then need to request CCA and find out if they are enforceable, and if not then I can get things removed.

 

Sorry for the step by step guide, but just want to do everything right and as I said there is so much to take in:)

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i think it would be better if you detail 'what' is causing concern on your CRA

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have 2 defaults and a decree, the decree I am not worried about because I have consulted a solicitor and he is in the process of going to court to get this overturned (that's not the correct word) the agreement is unenforceable.

 

One default is for a catalogue, and the other default is for a car loan which I missed two payments on but then paid the final balance, so there is now no finance outstanding.

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