Employee Sainsburys Nectar Card Fraud

[music_love]

I highly doubt it as she said she was told this was in connection with Sainsbury's and she has never worked there.

[silverfox1961]

How can Sainsburys place anything on a credit file? They do not have permission to do so. (or do they)

 

 

 

Please check your credit file and see what has happened. IF Sainsburys have placed a debt of £150 on your credit file, I would see it as a breach of the GDPR regulations unless you have given permission for them to do so.

 

 

 

Just for info, when you resigned, did you sign anything that would allow Sainsbugs to place anything on your credit file. If you are not sure, you could send them a SAR to get all the data they have since you started working until the day you left.

 

 

I have to say that this tactic has never been seen by me before now so it will need some work by you to ascertain what is what.

[music_love]

That's what I'm wondering, plus I received no notification about this whatsoever. I don't remember signing anything. Do you have any idea on how I could check my credit file at all? Would I have to contact head office to obtain the SAR and how do I go about it?

[silverfox1961]

In our library is a SAR template that you can use and edit to your requirements.

 

 

You can sign up for free credit file access with either Clearscore or Noddle. Very easy to do and takes just a few minutes.

[music_love]

Okay, thank you. And if all else fails would it be best to just pay? I don't want this to affect anything in the future.

[honeybee13]

I would decide about that once you've seen the online credit refs.

 

HB

[dx100uk]

no don't pay them god no

wont remove anything

 

I think this is coincidence or the nectar account has the same name as you do?

and they've made 2+2=5 that the card is yours as it says Ms Anonymous?

[music_love]

The only thing that looks like it is related has come up under the name 'Lexisnexis Risk Solutions Uk' dated on the 1st June 2018, three days before anything was said to me.

 

I googled them and they seem to be somewhat related.

 

Could I do a notice of disassociation?

If I pay will it make it go away?

 

It says my 'short term debt' is £159, £150 of which is automatically from DWF and the £9 they've probably tacked on just because.

 

And then long term debt is £0, so it sounds like it is all them.

[dx100uk]

they cant do that cannot trash a credit file - under GDPR you have not given any permission

time for a complaint me thinks

DO NOT PAY

[music_love]

The Nectar card doesn't have the same name or details as me and I haven't used anyone else's details on it.

[dx100uk]

and these fleecers have trashed your mums credit file?

[ScarletPimpernel]

A notice of disassociation is used where you want to show that you are no longer financially connected with someone - for example, an ex-partner.

 

LexisNexis appears on lots of credit files - many insurance companies use them, so when you get a quote for car insurance, especially through a comparison site, LexisNexis often shows up - I'm about to renew my car policy and sure enough, LexisNexis is on my file.

 

You should be able to see, on your credit file, who the creditor for £150 is. I've never heard of a speculative invoice, of the sort issued by the likes of DWF and RLP, showing on a credit file - probably because there isn't actually a debt. If it had been to court, and they'd won, and you hadn't paid, it might showunder judgments - but that is a remote possibility.

[music_love]

I've been searching a lot for car insurance policies recently but this is the only one that seems like it might be connected to DWP, if at all.

 

There is nothing whatsoever showing either DWF or RLP on my credit file and I used Clearscore and Noddle to check.

 

Now I've checked more thoroughly the 'Lexisnexis Risk Solutions Uk' ref on 1st June says the purpose of it was an ID check whereas the others by the same company were in regards to car insurance.

 

Do I just advise my mum to do the notice of disassociation and can I do this as well?

 

We weren't financially connected in the first place anyway as we have separate accounts for everything.

 

If I request all data DWP have on me (via post of course) will they leave me alone?

How do I go about the complaint?

And can I demand this be revoked and taken off my address?

[dx100uk]

its nothing to do with DWF/RLP

 

its to do with the fact lots of insurance quotes were sought.

or your mum has a debt to an insurance co?

 

if its only you that done these

and this is on your mums credit file

simply ask them to get their names correct!!

 

or did you also input your mums details for say a joint policy or whatever?

[silverfox1961]

At least that now shows that sainsburys nor DWF are doing anything so you can carry on ignoring them. IF the entry has something to do with the DWP, I would contact clearscore/noddle to challenge the entry and let them do their checks and then they will tell you whether the DWP will remove the entry.

[dx100uk]

im puzzled as to who told her it was Sainsburys?

nectar card?

dwf?

or what did they ACTUALLY say?

 

and it DWF wish people would stop using DWP:lol:

[AndyOrch]

Never heard of a creditor informing you of the reason for refusal....simply decline and tell you to check your credit files.

[music_love]

I don't know but she said she was told by Virgin that she couldn't take out the contract due to an outstanding debt in regards to DWF and Sainsbury's.

 

If they do challenge it and DWF refuse what then?

 

As it isn't on my file can she do a notice of disassociation?

 

I'm just worried that if I leave it and even if she does do that it could pop up somewhere else down the line.

 

Hmm, true but that is what she said. I'll ask her again.

[dx100uk]

WHAT does it ACTUALLY state on her credit file?

 

pers I think you are assuming things here like the £150 + £9 DCA charge = it must be dwf…

 

something not sitting right here...

this looks to me to be an insurance debt, like an early cancellation or a missed monthly payment.

 

virgin [NOR YOU!!] would be able to see what the debt was other than 'Lexisnexis Risk Solutions Uk' £159 and the type of credit

which all you can see on her credit file entry?

[ScarletPimpernel]

It sounds to me as if your mama is trying to either demonstrate her disapproval of your actions, get you to pay DWF, or arriving at an incorrect conclusion. It is simply not credible that Virgin would say this. The people dealing with customers don't usually see the reasons why an application is declined.

 

It's not clear why you want to do a notice of disassociation. If the 'debt' shows at all, it would be on your credit file, not your mother's; if the 'debt' is on your mother's credit file because her name was on the card then disassociating from her changes nothing.

[AndyOrch]

You’ll become financially associated with someone if you:

 

Open a joint bank account with them

Apply for credit together, such as a mortgage or loan

Become their guarantor (this means you agree to pay their debts if they can’t)

Get a joint County Court Judgement

 

You are not financially associated to your Mother.

[Ethel Street]

Was the Nectar Card in your name or your mother's name?

 

Do you and your mother have the same first name or same initials and live at the same address? ie could your mother have been mistaken for you when an entry of your credit record was made?

[dx100uk]

The Nectar card doesn't have the same name or details as me and I haven't used anyone else's details on it.

 

..

[ericsbrother]

no it isnt attached to your address, things on your credit file are specific to you by way of your name and date of birth by various methods, not your address. Now you or your mother are either the victim of an error by Virgin or there is an unassociated reason and paying anything to anyone will never sort out either of these problem scenarios.

In other words, this is attached to my address so I'm in a pickle as to what to do. Should I just pay and have it taken off? i know this approach they've taken is far from legal but it seems they've attached it to my address and I did not steal money so I don't know why they're acting as if I have, but I really don't want further repercussions. Thanks again.

[music_love]

 

Hi all,

 

I received this from DWF in the post today. Also I did not receive a second letter dated 23/06/2018 as they've supposedly done. Should I be concerned? Particularly regarding the if you do not pay column. My mother hasn't mentioned anything further regarding credit entries related to this.

 

Thank you