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      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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Unrecorded Credit Searches


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Hello Brigadier,Could you please clarify who (other than lenders of credit) can make these searches and on what basis?I have recent unrecorded enquiries made by 2 DCA's who I have no association with and who I did not give permission to access my data. many thanks in advance,mollie

Edited by mollie5549
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Unrecorded searches are used for ID and

tracing, they are not visible to any one

else other than the company making the

search.

These searches HAVE NO IMPACT

whatsoever on credit standing .

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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That's not what Mollie was asking for. Who has the right to make unrecorded enquiries ?

I also noticed an enquiry from Lowells on my file, I presume it was to check if it was worth buying a debt but they don't seem to have gone ahead.

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Any company or organisation that has reason

to trace an individual either for the purposes

of debt collection, or a creditor wishing to check

the ID and residential status of may be an existing

customer of good standing requesting a credit limit

or overdraft increase.

The police may use it, utility companies due use it,

I use it.

 

Brig.

As these searches are not damaging in

any way the CRAs are providing the individual

with the information that someone is interested

in their residential or credit status.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Lowell may well have already purchased

a debt and checking addresses etc., before

starting collection activity.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hello Brigadier and Catquest, thank you for your replies.

My concern is that despite it being repeated often enough by the CRA's that permission must have been obtained before someone can check your file, it seems that any company can go in and look at your file whether you like it not. You are only made aware of it after the fact when you request your credit report.

For an individual already trying to manage their debts to find other DCA's looking over your file is extremely worrying and on my part has caused sleepness nights.

 

Prosearch a company that deals in asset reunification can also access your credit file. I do not have any assets that I have misplaced that they could possibly be trying to reunite me with. However on closer expection on their website they also are involved in the debt collectiing business! The fact that the search is only seen by the individual is not enough in my eyes. CRA's should be checking with the individual that permission has been given before a company can search your file and state a reason for the search.

When applying for any form of credit you are made aware that searches will be made against your credit file and you agree for this to be done as part of the process. Why does debt collecting, asset reuinification, ID checking and God nows what else seem to be able to sit outside this?

Catquest has commented that Lowells also looked at his/her file but did not go ahead with their debt purchase. So I wonder do they then delete the information viewed from their files or is it stored for future use?

Previously I thought I had control over who sees my credit report however that does not seem to be the case.

Kind regards,mollie

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Hi mollie, I can understand your view on

this, the CRAs are regulated by both the

OFT and the ICO, under the DPA 1998 and

other regs.

The CRA must satisfy certain ''principles''

laid down by the ICO as must anyone making

a search at least one of the 8 principles must

be met before making a search.

If you believe that a searh inquiry is unfair,

firstly contact the business that carried out the

search in writing and then report the matter to

the ICO.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Well I once had an unrecorded search by Atos, they never replied to my question why they searched. I had just applied for a Chinese Visa , so I assumed that was what it was about.

A friend of mine in the US searches peoples' record prior to purchasing property to see if they will accept lower offers due to the dire state of their finances. Could this happen here ?

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Those who subscribe to the CRAs services

have to gave a proper reason for needing

use the system, if a property speculator would

meet the criteria in the UK I really don't know.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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