HFO Services now using e-consumerview reports to 'encourage' payment

[coledog]

The intention is to use this data for assessing benefit payments in future - which is a great worry if the data is not accurate and not everyone has the ability to access it.

[bsj]

The intention is to use this data for assessing benefit payments in future - which is a great worry if the data is not accurate and not everyone has the ability to access it.

 

I find this aspect very worring given the track record of the DWP and Expeirian for inaccurcies and lost data.

Gross invasion of our civil liberties is at stake here,it seems to me the data protection act no longer protects us in any facet of our lives.

The last time i requested a copy of my credit report even my bank account was on there and what was shown was inaccurate,iv'e never had an overdraft on the account,but it showed i owed money??? to say i was disgusted in an understatement.

How can they state i owed money on an overdraft that never was,i did contact expeirian and had it corrected after doing cartwheels and jumping through hoops.

I'm not surprised that people don't complain to get decrepencies corrected,they make the process so difficult

[PGH7447]

I have seen thier covering letter before, that is their usual look I'm really trying to help you here tactic, but as for the rest,- disgusting

[vjohn82]

Subbing with interest folks... anything to stick the knife in ;-)

[coledog]

Bump - seem to be getting more people receiving these

[coledog]

Bump

[coledog]

Bump again - as some more recipients - below is a link to a post with a letter from HFO regarding one of these

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?258036-hfo-sent-photo-of-my-house.&p=3210288#post3210288

[rdm2006]

Its Probably against CPUTR 2008 too

[patrickq1]

The CPUTR, which again is the UK implementation of an EU directive, states very clearly that the onus is on the supplier to support their claims with evidence.

[patrickq1]

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

[coledog]

Excellent - will do some research on this, thanks

[FORMISTER]

Has anyone had any feed back from experian about their complaints? I had one of these, going to put my complaint in now, amongst others

[DonkeyB]

I’m aware that HFO’s defence will be that they are using their ‘own data’; however, they are using their own data printed out from someone else’s system!

[babybear39]

The CPUTR, which again is the UK implementation of an EU directive, states very clearly that the onus is on the supplier to support their claims with evidence.

 

The CPUTR 2008 (26th May) isn't just a directive it has been implemented into uk LAW!!!

 

Read the first page or two from the linked thread below:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?147392

[FORMISTER]

Thanks BB

[rdm2006]

UCPD is the directive CUPTR is the implementation of the UCPD into UK Law

[babybear39]

Yes, I gathered that much at least ...

[FORMISTER]

So after complaining to experian there reply to HFO sending out my credit file was as follows:

 

Good afternoon

A company is allowed to search you if they obtained your consent to do so either written or verbally.

If you wish to investigate this further, you will need to speak to our Consumer Help Desk on 0844 481 8000.

Alternatively, you would need to go back to the company who performed the search on you to have them investigate this internally for you and provide proof that the consent was given.

 

I wrote back and pointed again to their own rules that the user is not permitted to copy or distribute the information and can they confirm this before I contact the OFT.

 

regards

[DonkeyB]

Well, they do NOT have your consent unless they can PROVE you signed up to say they can. Back to the CCA problem...

[coledog]

When did you give consent? Send this to ICO also

[FORMISTER]

Yes will do, im turning into a misserable moaning old man! I will keep you updated on any progress

[coledog]

Keep moaning, only way to get em - not miserable just a Grumpy

[FORMISTER]

Im 34 and turning into my dad! I am making full complaints about everything I can to everyone I can and encourage everyone to do the same. Not prepared to sit back and be a victim anymore

[coledog]

Did I say old? Keep at it

[Bazooka Boo]

If only everyone would complain, then things will begin to change!