Debts and the data protection act

[mrcaptain]

I was wondering, is it lawful for companies to give your details to a DCA without you agreeing to it?

Surely this must breach some data protection act?

[BRIGADIER2JCS]

It is written into all credit/hire purchase/service contracts

terms and conditions that you agree to the creditor informing

the CRAs of the conduct of your account and as with DCAs

you will find you have agreed to the information/debt being

sold or assigned to a third party, this is the basis of the sale

and or assignment of debt.

[Sidewinder]

If there is no authority for them to do it then yes, this would be a breach, however in most cases it is enshrined in the small print of a contract or agreement that in the event of non-payment, details may be passed to third parties for collection or credit reference reporting etc.

 

Of course if the creditor cannot produce an agreement or T&Cs which explain this, then that is different altogether, but not many Data Protection arguments seem to change DCA behaviour!

[BRIGADIER2JCS]

There is of course now the recon agreement

the acceptance of an application form stamped

approved with statements showing use of the account.

All of this and even more case law makes the absence

of the CCA less effective as a defence.

[BRIGADIER2JCS]

There is of course now the recon agreement

the acceptance of an application form stamped

approved with statements showing use of the account.

All of this and even more case law makes the absence

of the CCA less effective as a defence.

[rhos123]

There is of course now the recon agreement

the acceptance of an application form stamped

approved with statements showing use of the account.

All of this and even more case law makes the absence

of the CCA less effective as a defence.

 

really! all down to the judge lotto! never ever pay the dca sc@m

[BRIGADIER2JCS]

Not quite that easy sorry to say Rhos.

[rhos123]

Not quite that easy sorry to say Rhos.

 

not paying a dca is indeed most easy, just ignore them what after all can they do? being in debt is indeed a civil matter! not a crime:madgrin:

[rhos123]

Not quite that easy sorry to say Rhos.

 

not paying a dca is indeed most easy, just ignore them what after all can they do? being in debt is indeed a civil matter! not a crime:madgrin:

[BRIGADIER2JCS]

As you say, but then a CCJ/warrant of execution

stat demand bankruptcy are civil matters some

with the most serious consequences some of which

I have to deal with on a frequent basis!!