Hutchinson 3g defaults and stopping the CRA's illegal actions

[jeccapf]

Hi, I'm starting this thread because I'm in the middle of trying to remove a default placed by Hutchinson 3g but also because from information on this site, it seems that the CRA's dont have a right to hold this information anyway.

 

I've served a CC case against Hutchinson for non-compliance of a stop order and breaches of the Data Protection Act (inaccurate information and breach of contract) and thats on-going but the CRA thing seems more important as if true, it would affect their ability to hold information even if it were properly defaulted.

 

I have found references to the fact that the CRA's can only hold information in the public domain, which has become a vital point, as this means only CCJ's Insovency Orders etc and not simple defaults that have not been adjudicated by a court, but I cant find where this requirement comes from - which act?

 

It seems that the CRA's themselves DO accept that they only have the legal right to hold public domain info - it says so on their web sites - but choose to ignore this, so it comes down to that and if I can find that one little gem I'd happily take a CC case against a CRA (Experian seem to be the worst offenders)

 

It also seems clear that there is no 6 year rule, I cant find it (someone at the court says its something to do with money laundering but its only for information to be HELD - not SHARED) which is another point that I'm interested in coz a default for say 1 year is a lot less of an impact on your life than 6 years!

 

I'd be glad of any help out there

Can anyone also interested in this shed any light on what I'm missing here?

[car2403]

CRA's have been around for a long time, but they are now regulated by the Consumer Credit Act and the DPA.

 

I think the issue you have here, is that a default on a Telecoms agreement like this is different to a Default registered on a debt regulated by the CCA.

 

It seems like you're better off in the Telecoms forum, so I'll move your post there and I'm sure others will pop by to fill in the gaps.

[jeccapf]

CRA's have been around for a long time, but they are now regulated by the Consumer Credit Act and the DPA.

 

I think the issue you have here, is that a default on a Telecoms agreement like this is different to a Default registered on a debt regulated by the CCA.

 

It seems like you're better off in the Telecoms forum, so I'll move your post there and I'm sure others will pop by to fill in the gaps.

 

the Hutchinson account isnt the only problem that I have with the information that the CRA's are holding on me, I was actually hoping to find information on how to stop them reporting other 'defaults' which would be CCA - my point being they hold the information and there is no opportunity to defend it - a notice of correction still prejudices me, so given that, which would be the best forum to put this in?

[car2403]

Ok, I've moved this thread to the Data Protection and Default Issues forum. I've also copied the first post to the Telecoms forums, for your Hutchinson issues...

 

http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed/204326-hutchinson-3g-defaults.html

[Guest Alison82]

CRA say it's "industry standard"