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NJSUK

Ex accessed my credit file and used info to intimidate me

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My daughters father who I have not spoken to in 6 years has accessed my credit file unlawfully. I know this because the CSA disclosed to me a document written by him that says he has.

 

He abandoned his daughter now age 5 and met her this year for the first time.

 

I have found out through information received through the family court where I took him to get an order for him to pay his daughters school fees as he did his sons. He was of the opinion that as she was female it was not necessary for her.

 

I am pursuing an appeal to the CSA regarding back dated maintenance as he has only declared half his income to the CSA. Being managing director of a large company he had the power to control his income.

 

I have found a search on my credit file done by N2

Check which is part of

Dun and Bradstreet. Dun and bradstreet are refusing to disclose who they did the search for. I have reported them to the ICO.

 

We had no joint finances so the only way he could of done this was to of forges my signature . It says on the N2 Check Gauge website that a consumer search will need written consent.

 

I have emailed my daughters father and asked how he accessed my credit file. He of course ignored me.

 

My daughters father was so annoyed about having to pay school fees for his daughter that he has given up his job at age 54 and is paying zero maintenance.

 

As as his country home he has an apartment in the

Docklands where he stays in the week. I believe he is now working as a consultant and having his fees paid through his new wife.

 

I am going to appeal against this zero assessment too as he wrote to me through his solicitor when my daughter was born telling me he was going to do this unless I accepted a low level of maintenance about 3 percent of his salary.

 

I am on benefit and having been Chronically ill for 2 years.

 

It's so sickening how [mod edit] people in powerful jobs are able to dodge their responsibilities like this.

 

Can anyone advise please.

Edited by Conniff

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NJSUK welcome to The Consumer Action Group community.

 

You haven't received any replies to your problem yet so you might be better off posting your story again directly in the sub-forum which deals with your kind of situation. You will get lots of support there.

 

Also, spend some time looking round the forum. Once you understand the layout, you will be able to get best use from this Consumer Community. It is a big forumm and may take some time. But it will be worth doing.

Good luck.


Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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This is a very serious matter.

In addition to the complaint you have made to the ICO which is unlikely to get very enthusiastic treatment, I think that you should send the CRA an SAR and see what they are prepared to disclose under compulsion.

Then come back here


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Hi NJSUK

 

Did you ever apply for a financial dissociation when you first split up?

 

An association shows that you have a financial connection with someone else. This is created by joint judgments, joint accounts, joint credit applications, or from information given to the credit reference agencies by previous lenders. The name of the person you have a financial connection with will appear on your credit report, but the financial information about them will not. Your credit report will only show information about you. Once a disassociation has been created, lenders requesting your report no longer see details of the disassociated family member. Once filled in Experian normally inform the other credit reference agencies who will adjust the information they hold on you.

 

I suggest you get the form filled in and dissasociate yourself from your ex for a start, you can find the forms here:

 

http://www.uk.experian.com/contactforms/consumer_onlinedisassociation.html

 

This does look like a serious issue with your data being given out like that. I would send an SAR to the credit reference agency to see what else is there. Do you have a solicitor willing to help?


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