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Noddle Short Term Loans


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Noddle seem to list normal long term loans under "Short Term" on the basis that the lender provides daily information under a new system called MODA. Is that legitimate ?

 

Might be. Usually, the loan companies have to sign off on how they report data to CRA's to comply with the DPA. The CRA's also have to agree to the reporting of data in the way it is being done to comply with DPA.

 

You could write to Noddle for the attention of Data Protection Officer, asking them to confirm how the loan data should be recorded on their customers credit records held by CRA's. Ask them for full details of what they agreed with CRA's in regard to data reporting on the specific loan type you have taken out.

 

Then see how they reply and come back to advise what they have said. If it appears wrong, then take it up with Noddle and if necessary involve the ICO.

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