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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
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Aren't CRAs supposed to ask for a copy of CCA from creditors?


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I mean can they just share any info as they please? Aren't they supposed to ask for a copy of CCA to see whether we have given permission to the creditors to share our data or not?

 

Is there a way that we can contact straight to CRA and ask for a proof and removal of the information from our credit database if they failed to do so?

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I mean can they just share any info as they please? Aren't they supposed to ask for a copy of CCA to see whether we have given permission to the creditors to share our data or not?

You would have thought they would do so but no. they block buy debts and all they get is the debtors name,address,DOB and amount of debt. It is assumed that all agreements have the right to share data within them

Is there a way that we can contact straight to CRA and ask for a proof and removal of the information from our credit database if they failed to do so?

 

NO, all the CRA have is the details passed on from the creditor and they assume the info provided is correct

 

I welcome the day when debts are sold, ALL the relevant paperwork has to go with it and then if the creditor has failed to maintain records properly, they should be penalised accordingly

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So its the creditor who should have an agreement with our permission to share data with CRA... But if we buy products from mail orders online without signing a form, does it means they have CCA? Is it enforceable?

 

I have 6 defaults on my credit file. They all are within their 5th year and by the July 2011 they all should expire. Do you think it is worth fighting for those or should i just wait for another 10 months till they are stat barred?

 

Thank you for the info silverfox, that was very informative...

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When you buy online, you are supposed to read the terms and conditions (how many of us actually do?) and in there will be the data processing terms.

 

I think it would take that long to get them removed (if at all) that it would be better just to let them fall off

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Thank you silverfox, I didnt know online agreements was enforceable since there is no signed contract between the consumer and the creditor therefor as a result, they cannot provide a CCA!

 

In that case i shall wait till next summer but sort out only the 2 other defaults placed more recently!

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