Petition to: Regulate the UK's Credit Reference Agencies. | Number10.gov.uk

[angry cat]

Any chance of getting an extension due to Bank Holidays?

 

Good Point DD!

[tinka]

Any chance of getting an extension due to Bank Holidays?

 

 

Aw...I imagine this is asked with the innocence of someone who doesn't usually deal with Govt depts I do, so don't think it will happen, even with hell freezing over.

 

I do hope a new petition is set up though..

 

: ) Tinks

[angry cat]

Aw...I imagine this is asked with the innocence of someone who doesn't usually deal with Govt depts I do, so don't think it will happen, even with hell freezing over.

 

I do hope a new petition is set up though..

 

: ) Tinks

 

I actually thought similar:)

 

Gov. Depts dont work that way!

[mark1arby]

I actually thought similar:)

 

Gov. Depts dont work that way!

 

I`m sure if some one asked that Nice Mr Brown, he would take time out from leading the Country Out of the Credit Crunch. He will make sure we are Alright. Sureley.

 

Cheers, MARK

[angry cat]

Hmmm; Mr. Brown?

 

Well, if he is a wise man, then he should listen re: this particular issue...there is an election coming up!

 

In reality, there are numerous petitions running all the time;

if another petition is created along the same lines, it needs to be well thought out and;

give sufficient time for petitioners to sign.

 

Perhaps, we should get David Davis or, similar involved!?

Edited January 3, 2010 by angry cat
typo

[Desperate Daniella]

You're right. Thank God I don't. I did deal with two over the same issue some years ago and it was an absolute nightmare. We also had a petition, and I can't remember whether we had to give a closing date, or got so many days to get the signatures, which is why I was wondering about an extension.

[angry cat]

No harm in asking for an extension;

they can only say no.

 

468 signed!

[mark1arby]

Hmmm; Mr. Brown?

 

Well, if he is a wise man, then he should listen re: this particular issue...there is an election coming up!

 

In reality, there are numerous petitions running all the time;

if another petition is created along the same lines, it needs to be well thought out and;

give sufficient time for petitioners to sign.

 

Perhaps, we should get David Davis or, similar involved!?

 

You are quite right Cat to use the same petition worded in the same way can`t much use. It appears to me that this would not matter if the Original Petition/Petitions have the maximum signatures possible they would be more than effective in Grabbing the Attention of Our Supposed government.

 

They can not afford to Ignore a petition with 300,000 signatures.

 

Dreaming again!

 

People obviously have things that bother them, enough to enrol to CAG. So, why are they still so Apathetic when there is a Rare chance to make their Opinions Heard?

 

I don`t understand.

 

cheers, MARK

[master woody]

as the the OP could please ask one of the very smart site team to take a look at the wording of the of petiton, reword it and lets have another go in say a month?

[sosumi]

Go for it MW!!

[angry cat]

as the the OP could please ask one of the very smart site team to take a look at the wording of the of petiton, reword it and lets have another go in say a month?

 

Excellent!

[babybear39]

Yes deffinately

 

Put it as a sticky as well

[angry cat]

as the the OP could please ask one of the very smart site team to take a look at the wording of the of petiton, reword it and lets have another go in say a month?

 

I am sure that you can build on what is already being stated!:

 

Credit Today online

[angry cat]

News

MPs call for probe into credit searches - 22/12/2009

 

 

The Treasury Committee has called on the Office of Fair Trading and Information Commissioner to assess whether credit application searches by consumers should appear on credit files.

 

The cross-party committee has called on both regulators to launch assessments amid fears that when shopping around for personal loans and credit cards, consumers build up application searches on their credit reference files and in turn, make it harder for themselves to obtain credit.

 

In a report published today, entitled Credit Searches, the committee calls on the OFT to investigate the complex trade offs between the need to prevent irresponsible lending and the need to ensure consumers can search freely for unsecured credit without being penalised.

 

John McFall, chairman of the committee, said: "While it is right to protect consumers from potentially reckless lending; equally, they shouldn’t be penalised for shopping around for loans."

 

The report has been made as part of an inquiry into the impact of credit searches on credit files and unleashes several obligations on the OFT and Information Commissioner’s Office (ICO).

 

The inquiry will also be looking at the quality and accuracy of data held by credit reference agencies (CRAs). The committee has recommended that the Information Commissioner consider seeking assurances that data quality at the CRAs conforms with the Data Protection Act. The MPs raised concerns that credit applications, which are rejected because of incorrect data, may remain on file and affect future credit scoring.

 

The Information Commissioner has also been asked to consider whether it is fair for credit reference files to contain details of application searches made while credit reference files were "demonstrably incorrect."

 

McFall added that people should be able to afford to access their credit files and that correcting inaccurate data should be simple and easy.

 

He said: "There may be a case for free access, and we have asked the ICO and OFT to look at this."

 

The OFT has also been told to look at the information presented in credit files, and ensure that consumers can understand the data included in them. The regulator has also been asked to investigate the impact of multiple applications on the availability and price of credit to customers, as many do not end up with the interest rate that was originally advertised.

 

The committee said it has not received unequivocal evidence that application search data is "critical" for lenders, who can assess more than 400 indicators of a consumer’s credit worthiness. But neither did the committee receive "overwhelming" evidence that it is a major source of direct consumer detriment.

[angry cat]

Good criticism is always helpful:

http://www.consumeractiongroup.co.uk/forum/show-post/post-2678187.html

[tinka]

You are quite right Cat to use the same petition worded in the same way can`t much use. It appears to me that this would not matter if the Original Petition/Petitions have the maximum signatures possible they would be more than effective in Grabbing the Attention of Our Supposed government.

 

They can not afford to Ignore a petition with 300,000 signatures.

 

Dreaming again!

 

People obviously have things that bother them, enough to enrol to CAG. So, why are they still so Apathetic when there is a Rare chance to make their Opinions Heard?

 

I don`t understand.

 

cheers, MARK

 

I signed an e-petition asking for Gordon to resign...it had over 72,000 signatures and in response the Prime Ministers office said...The Prime Minister is completely focused on restoring the economy, getting people back to work and improving standards in public services.

 

I recall thinking, 'that's a no then'..

 

If they can ignore the masses who invaded London to protest, in person, about going to war, they can ignore most things, methinks...but not going to stop me trying

 

tinks

[car2403]

I signed an e-petition asking for Gordon to resign...it had over 72,000 signatures and in response the Prime Ministers office said...The Prime Minister is completely focused on restoring the economy, getting people back to work and improving standards in public services.

 

I recall thinking, 'that's a no then'..

 

If they can ignore the masses who invaded London to protest, in person, about going to war, they can ignore most things, methinks...but not going to stop me trying

 

tinks

 

Let's hope all those people remember to vote for someone other than Labour in the Election, this time, then, eh?

[mark1arby]

We`ve just got to keep Trying and Trying.

 

If that Ultimately Fails. Then Shoot The **EDITED**. LOL:D

Edited January 4, 2010 by car2403
Naughty...

[tinka]

Let's hope all those people remember to vote for someone other than Labour in the Election, this time, then, eh?

 

 

Lol...I want to come and live on your cloud...

 

: )

 

Tinks

[mark1arby]

We`ve just got to keep Trying and Trying.

 

If that Ultimately Fails. Then Shoot The **EDITED**. LOL:D

 

I knew I`d be Cagbotted for that!

 

I did think it might be My Opinion that our Beloved Prime Minister should be Shot that would get me Cagbotted though, not the swearing LOL.

[caro]

as the the OP could please ask one of the very smart site team to take a look at the wording of the of petiton, reword it and lets have another go in say a month?

 

Why limit to the site team? Surely everyone's contribution and ideas are as valuable as anyone elses.

 

Regretably experience has taught us that petitions are not often very effective, although the Icelandic population seem to have got a result, so maybe we shouldn't give up on them.

[angry cat]

Many petitions have in fact, brought about a change!

[dgs82]

signed

[caro]

Many petitions have in fact, brought about a change!

 

Agreed which is why I'm involved in trying to organise an effective petition too. It's very difficult to pitch to get the right level of interest for it to be effective, as the recent one in Iceland was leading to a referendum.

[AA99]

Caro, I've just come from yet another thread with this issue. Is it possible to combine to one big sticky ??