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    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Credit Ref Agency reply to DPA s.12 request-help please


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Following on from Surlybonds posts in the "Default Hell" thread RE: automated data processing I wrote to Experian, Equifax and CallCredit demanding that they remove my data from their automatic processing routines.

 

I have just had a reply from Experian (first one to reply) basically sticking two fingers up to me. The full text of their reply is as follows. Would anyone like to comment? What should I do now?

 

Thank you for your letter dated 17 August 2006 that we received on 21 August 2006. Your correspondence has been brought to my attention in the Directors' Office.

 

I acknowledge your request under Section 12(1) of the Data Protection Act 1998, which allows an individual to insist on the removal of any and all data from automated processes in respect of matters relating to them.

I am fully aware of the legislation that you kindly quoted in your letter, which is detailed below for your reference.

 

12. - (1) An individual is entitled at any time, by notice in writing to any data controller, to require the data controller to ensure that no decision taken by or on behalfofthe data controller which significantly affects that individual is based solely on the processing by automatic means of personal data in respect of which that individual is the data subject for the purpose of evaluating matters relating to him such as, for example, his performance at work, his creditworthiness, his reliability or his conduct.

 

As a credit reference agency, Experian does not make any automated decisions with regards your creditworthiness or any of the other criteria that are specified within Section 12(1). Consequently, we do not have to comply with your request to remove the information that we process by automatic means. This is because we are not making any decisions about the information that we obtain and process via automated systems.

 

I have highlighted the relevant part of Section 12(1) that clarifies that it is only when a decision is made by automated processing that you are entitled to the information to be removed from that automated process.

 

I would like to clarify that our role is to give lenders factual information about you when you apply for credit. This helps lenders as it enables them to review your current and previous credit agreements but also benefits the applicant as they can be granted credit facilities instantly rather than having to prove that they have a good financial history every time they make an application.

 

When a lender asks to see the information we hold, we do not offer any comment or advice. Lenders use the information we give them, along with the information you give on a credit application form, to help them decide whether or not to lend. We are not told if the information we have provided has affected the lending decision or, in fact, what that decision is.

 

If you have been declined for financial services and the lender concerned confirms that the decision was made via an automated process then you do have the right to appeal against that decision and request that your application is manually reviewed.

 

You may wish to quote the legislation you referred to in your letter in support of any request that you may make to a lender for a manual assessment. Furthermore, you may also like to note that if you add an explailatory statement to your credit report, this will automatically mean that your credit application must be manually viewed prior to completion of any automated assessment.

 

You can add a short explanatory statement to your report to make sure that future lenders are aware of your comments. This is called a 'Notice of Correction'. Anyone looking at your report in the future will see your comments and should take them into account before making a lending decision.

 

If you would like to add a 'Notice of Correction' to your credit report, please let us know the exact wording you would like to use. We cannot add a statement that is longer than 200 words or one that we think is defamatory, frivolous, scandalous or unsuitable for publication for some other reason.

 

Before you are permitted to add a 'Notice of Correction' to your report, you must firstly obtain a copy of your credit report detailing the information that we hold about you that lenders view when you apply for credit. I am enclosing an application form for you to complete and return should you wish to take up this option.

 

It is also stipulated within Section 5 (principles of Decision-Making) of 'The Guide to Credit Scoring 2000', that the applicant can appeal for a manual decision to be made if they have been declined purely by means of an automated scoring process.

 

You might wish to view 'The Guide to Credit Scoring 2000', in particular Section 5-7, if you wish to see this in full. You can find this on the Experian website at:

Credit Scoring | Experian UK

 

In your letter you also refer to the Human Rights Act 1998. This Act requires all 'public authorities' to act compatibly with the rights contained in Schedule 1 of the Act. As Experian is a private company and not a public body, the Human Rights Act 1998 does not directly affect the work we do.

 

The Consumer Credit Act 1974 and the Data Protection Act 1998 strictly control the personal information that we hold. Both laws give you specific rights and make sure we deal with your information carefully and fairly.

 

If you have any further queries please feel free to contact me directly either bye-mail at [email protected] or by telephone on 0115 905 5452. Alternatively, you can write to me at the following address:

 

Directors' Office, Consumer Help Service, Experian Ltd, PO Box 8000, Nottingham, NG80 7WF

 

Yours sincerely

 

Mr Paul Lever

Consumer Compliance Executive Directors' Office

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Hi Worcester4x4,

 

yes its exactly the same. What do we do now?

 

Don't know about you but I'm waiting for someone who knows about these things to make a comment! :)

 

I personally haven't a clue where to go from here.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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i sent all 3 cra the template and heard nothing so sent a reminer with a 7 day deadline and still heard nothing.

so i have just been on iformation comissioners offices web site and put in a formal complaint about all 3!

see what happens next!

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I think you guys have misunderstood the template letter.

 

The template letter is aimed at the Organisation who you want to stop processing your data. NOT the CRA's.

 

e.g. Cutomer A asks Tesco Credit Card to stop processing their data to the CRA's. If the Tesco Credit Card stop sending Customer A data to the CRA, then they have nothing to process/show do they?

 

I would suggest that you guys read the Default Hell thread again. As well as the other sticky by SurlyBonds. There is a lot of information here than can get confusing if the basics are not understood, and the questions I am reading here indicate to me that people are jumping in with both feet, without fully understanding what needs to be done, by who and to who.

 

At no point have I read that anyone has successfuly asked a CRA to stop processing all their data. It has been suggested that they have no legal right to pass on your information - but from what I can see no one has tested this "blanket ban on all data" from the CRA's.

 

Unless your credit file is completely shot to pieces then I cannot understand why anyone would want a Blanket ban on all the information - personally I cannot see that being of any benefit.

 

I think it would be better if people concentrated on dealing with the odd one or two defaults on their file and leave it at that.

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Tinkerbelle

I have definitely read a thread about a letter to send to the CRA's to stop the automated processing of your information to every tom dick and harry who runs a credit check on you.The letter requests the CRA's to process the data manually and not to leave it open for all to see.

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I think you guys have misunderstood the template letter.

 

The template letter is aimed at the Organisation who you want to stop processing your data. NOT the CRA's.

 

 

I don't think I have misunderstood.

 

If you look at Surlybonds original post:

 

Okay, what does it mean in English...

Whilst credit ref agencies can store the data, you (and only you...not them... YOU, the "individual"/data subject/etc) can decide if you want that data to be included in any automated processes which includes the automatic reference transactions that banks and Co. send through for ref checks.

 

You may, if you so wish, ...(and the agencies can't do diddly-squat about it)... insist that your data is excluded from the automation process, and that it can only be utilised within manual reference purposes... which by the way, none of the agencies have the ability to process.

 

If you think I'm joking, I've done it for all three of the ref agencies, and they've all had to remove all my data from the automation process because I threatened them with a Court Order if they failed to do so.

 

So, what happens in reality. Well, maybe try what I did...

 

1) Send them a recorded delivery letter along these lines...

"Dear Sirs,

 

This is a formal notice, served under the provisions of Chapter 29 of the Data Protection Act 1998 in requesting that you conform to my demand for a change in the manner in which you hold and process subject data about me.

 

As you are no doubt aware, Schedule II, Section 12 (1) of the said Act allows all data subjects the right to insist on the removal of any and all data from automated processes in repsect of matters relating to them. I have reproduced that clause for your information, in case you do not have a copy to hand:

[insert clause from above in quotes].

 

You will note the exact language of the Act, in that such a request may be made in relation to a number of different reference checks "which significantly affects that individual", and the Acts specifically cites "credit worthiness" as one of those examples.

 

Recent checks on my file have caused severe complications, and now "significantly affect" my everyday life, and that of my family. An additional point to note is that issues of this nature that adversely affect "normal family life" are in breach of the Human Rights Act.

 

Therefore, you have seven days from receipt of this letter to remove all such data from your system where it is referenced and processed via automated processes. You will obviously need to transfer it to your manual process system and alert your customers that my data can no longer be searched via an automatic process.

 

I look forward to receiving your confirmation that the above change has been made to my file at the end of that seven day period.

 

To that end, I look forward to receiving your confirmation by close of business of ...[date it nine days hence to give them time].

 

Yours, etc"

 

I did this to Experian, Equifax and myCallCredit last month. Equifax argued the toss initially, then I issued an N1 Court Form against them, and as soon as they got that they capitulated. By the way, they also had to pay the Court fee.

 

Of course, they don't actually have anything on their system that can manage a manual intervention on a credit check, so they have to bar all the data from being read.

 

Note the bits in bold italics. This was clearly aimed at the CRA's

 

:? :? :? :?

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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So do I now write straight back to Experian and threaten them with court action? Is there a template letter I can use for this?

 

Do I just start court action now anyway?

 

If / when I do start court action what exactly do I do? Can I do it on moneyclaimonline (I think not) or do I go to my local county court?

 

Which form do I use and what form of words do I put in the claim?

 

Sorry for all the questions and thanks in anticipation guys and gals.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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By the way, does anyone know if the Human Rights Act only applies to Public Bodies as Experian are claiming? Sounds like a load of tosh to me!

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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OK, either no-one knows the answer or they're not around to answer.

 

Anyone know if Surlybonds is around, or away on holiday? It would be good to know exactly what he did when, as he put it, Equifax argued the toss.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Ok, I stand correct. :D

 

However, I'm still suggesting it would be better to get the company who is sending your data to the CRA to stop processing your data to the CRA, and asking them to get the CRA to remove data they currently hold seeing as they sent it to them in the first place!

 

Personally I can't see it being a good thing to have your credit file turn up blank when a search is performed on it. :?

 

If you haven't mentioned anything about taking the CRA to court in your first letter, then I would suggest that you send them another letter reminding them of your request, and telling them that you will take Court Action if they do not comply within x days. If they haven't complied within x days, then it's Court.

 

If you have already mentiond court in your original letter, then go ahead and do what you threatened them with.

 

There is no template letter as far as I can see, how about you writing one and posting it back on the site? :D

 

Good luck!

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Personally I can't see it being a good thing to have your credit file turn up blank when a search is performed on it.

 

I don't know whether it is or isn't a good thing and this action is partly by way of an experiment to see what happens. Once I get the CRA's to blank the file then I'll apply for some form of credit and see what happens.

 

As to posting a template, I would willingly but I don't know what to write now. I have an idea but I would really like to see what Surlybonds did and wrote as a) he sems to know what he's talking about and b) he's already succesfully taken this course of action so his letters / actions are proven to work.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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OK, in the absense of any information to the contrary I intend to send the folling letter to Experian:

 

"Dear Mr Lever,

 

Thank you for your reply dated 22nd August, your ref: ********.

 

I do not agree that you do not have to comply with my request under the Data Protection Act 1998, Section 12 (1).

 

I repeat my request that within seven days you remove any and all of my personal data from your system where it is referenced and processed via automated processes.

 

If I do not receive your written reply confirming that you have done this by Monday 4th September then I will, without further notice commence court action against Experian in order to enforce your compliance. You may then be liable for costs associated with any action. I will also issue a complaint to the Information Commissioner and to the Trading Standards Service.

 

Yours etc."

 

Is this OK

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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OK, in the absense of any information to the contrary I intend to send the folling letter to Experian:

 

"Dear Mr Lever,

 

Thank you for your reply dated 22nd August, your ref: ********.

 

I do not agree that you do not have to comply with my request under the Data Protection Act 1998, Section 12 (1).

 

I repeat my request that within seven days you remove any and all of my personal data from your system where it is referenced and processed via automated processes.

 

If I do not receive your written reply confirming that you have done this by Monday 4th September then I will, without further notice commence court action against Experian in order to enforce your compliance. You may then be liable for costs associated with any action. I will also issue a complaint to the Information Commissioner and to the Trading Standards Service.

 

Yours etc."

 

Is this OK

 

sounds good to me!

 

im in same boat so yesterday i reported all 3 cra to the ico!

Halifax

Settled in Full

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would i be right in thinking that a blank file just hides who you owe and how much etc - if this is the case i'm sure your credit score will still come up?

 

I use checkmyfile.com - Credit reference, Credit file, Credit score you get all 3 reports

 

the experian reports have no creditor information just a score (ironically teh lowest of them all!)...when i asked why this was they said it was as this is what a creditor will see - i think by removing all your data from view it will still be there to generat a score you just wont be able to see it...thus actually putting you in a worse position?

 

just my opinion - note this opinion could change at n e time :)

People who haven't made mistakes, haven't made anything!

 

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would i be right in thinking that a blank file just hides who you owe and how much etc - if this is the case i'm sure your credit score will still come up?

 

I use checkmyfile.com - Credit reference, Credit file, Credit score you get all 3 reports

 

the experian reports have no creditor information just a score (ironically teh lowest of them all!)...when i asked why this was they said it was as this is what a creditor will see - i think by removing all your data from view it will still be there to generat a score you just wont be able to see it...thus actually putting you in a worse position?

 

just my opinion - note this opinion could change at n e time :)

 

You could be right. But OTOH the personal information should be removed from any automated searches, to me this means that either 1) everything including your credit score is hddenor 2) just your information is hidden which in itself means that any prospective lender would have no data by which to generate a score.

 

Anyway, we shall see if and when I get them to comply.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Will be interesting to see the outcome of this...

 

I understand the score is already on the file tho...i assumed that each lender have there own scoring system but i'm begining to this the refernce agents create this score (as you can get it online from all 3 CRA's) and the lenders just have different thresholds etc...

 

I think (IMO) if you remove your info they will still calculate the score its just you wont be able to see how they did it?

 

Looking forward to someone getting somewhere with this - good luck.

People who haven't made mistakes, haven't made anything!

 

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Will be interesting to see the outcome of this...

 

I understand the score is already on the file tho...i assumed that each lender have there own scoring system but i'm begining to this the refernce agents create this score (as you can get it online from all 3 CRA's) and the lenders just have different thresholds etc...

 

I think (IMO) if you remove your info they will still calculate the score its just you wont be able to see how they did it?

 

Looking forward to someone getting somewhere with this - good luck.

 

The information held by the CRA's changes regularly as new data gets supplied by the creditors so the score must be worked out every time an enquiry is made. Also, as the number of searches of your credit file is itself a factor in calculating the credit score then this must be so. Therfore, if the data is not available to automated search routines then no credit score can be produced. The score itself cannot be held in a dummy file because the CRA would then be giving out misinformation.

 

Those are my thoughts.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Reply received today from Equifax. The salient paragraph in amongst a load of guff is:

 

"I acknowledge your request for Equifax to prevent lenders from searching your credit file however I would like to advise should you apply for credit with a company it is necessasry for that company to carry out a credit search therefore, as a Credit Reference Agency Equifax must provide this information and cannot prevent any company from accessing your information automatically"

 

They must provide this information?????

 

They cannot prevent any company accessing my information??????

 

Who on earth do they think they are?

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Reply received today from Equifax. The salient paragraph in amongst a load of guff is:

 

"I acknowledge your request for Equifax to prevent lenders from searching your credit file however I would like to advise should you apply for credit with a company it is necessasry for that company to carry out a credit search therefore, as a Credit Reference Agency Equifax must provide this information and cannot prevent any company from accessing your information automatically"

 

They must provide this information?????

 

They cannot prevent any company accessing my information??????

 

Who on earth do they think they are?

 

Pete

 

Ask them where the legislation is that states that they are required by law to do this, and tell them you want them to quote chapter and verse :evil:

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I'm just in the process of drafting such a letter. Be very interesting to see their reply!! :D

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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I'm just in the process of drafting such a letter. Be very interesting to see their reply!! :D

 

Pete

 

I would be very interested in seeing their reply too. These people make me sick. I've just had to send a letter to the OUSBA pulling their poxy T&C apart :mad:

 

I don't know who they think they are - last time I checked we were living in a democracy with rights :mad:

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I've just drafted the following reply. Does it look suitable?

 

Thank you for your reply.

 

You state in your reply:

 

“…Equifax must provide this information and can not prevent any company from accessing my information”

 

Please inform me what Statute(s) or Act(s) of Parliament states that a credit reference agency “must” provide information. I am unaware of any such statutory provision.

 

Please also explain why you are unable to prevent my data being automatically searched when Part 2, Section 12(1) of the Data Protection Act clearly states that I can demand such a bar? Please inform me what Statute(s) or Act(s) of Parliament allows you to circumvent the data Protection Act.

 

In both instances please quote the title(s) of the relevant Act(s) or Statute(s) and identify the relevant section(s) and paragraph(s).

 

I look forward to receiving your reply within seven days. If you do not reply or if your reply does not substantiate the legal basis of your actions I will commence legal action to enforce your compliance with the Data Protection Act without further notice. Any such legal action will incur fees and costs for payment of which you may become liable.

 

I look forward to receiving your confirmation by close of business on 6th September 2006

 

Yours, etc.

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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