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Few DPA issues i need clarification on


jacqueline
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1st: I recently started my own business, applied for a business account with my personal account holder bank, RBS, and they lost my application and ID docs. i wrote and asked they find it, they gave me £100 laughed during the apology and left it. I wrote again, they didn't respond. I have the credit search on my file and want it removing. Can i?

2nd: As above........so i applied for and received a mobile phone contract. When i got the phone the signal search thing i had completed said the signal strength in my area was good however i could not get a signal within at least 400 yards of my home. I called and told them, they advised i cancel my contract as the signal strength is poor in my area and i must have been reading the piece of paper in my hand wrong. I cancelled it and now i have that credit search on my file and dont want it there either.

 

I have been trying to get a business bank account but due to excess credit searches within a short amount of time i cannot get one.

 

3rd and finally. Last year i sucessfully complained to BT mobile regarding a default they had logge don my credit file which caused me to not be able to receive credit, i received a cash settlement and an agreement from them that they would "make good" my credit file. Show i had paid on time all teh time and my account was settled.............They removed it completely, i wrote and asked them to sort it out and put it back on with teh relevant information, They havent yet. I wrote 13th December 2006

 

Sorry there is a lot there, if i have posted this in the wrong place please nudge me and let me know and i can break it up. I am new to forums and this is my first post.

 

Thank you all

 

Jxx

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I think you're over-reacting to the mechanics of searching, rather than adverse data it can throw up. Your RBS application gives them permission to check you out, it is not conditional on your opening an account with them (if you don't open an account, the search is removed). It'll drop off in 6 months or less. The same goes for your cancelled mobile phone contract, a search is not adverse data, you did enter into a contract and the service offered did not meet with your requirements. Again, the search was required as part of the application and again was not conditional on the contreact being accepted.

 

There is no consumer 'right' thst requires firms to provide information to CRA's some do and some don't. It cna often be easier to remove the data completely than reconstruct it to make it read better, but many of us on here spend ages trying to correct misleading information - but you don;t have any!

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Ok so i can leave them on and everything will be ok?.....soon :-s

See i have applied for business bank accounts since and havent been able to get one because of all the credit searches. Well i think its that, i have copies of credit files from all three credit houses and there is nothing adverse on them

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I'm not aware of multiple searches for different products woking against you in this way, a lot of searches by credit card firms is one thing, but a disparate selection for a mobile etc (and it will show as that) wouldn't be problematic - unless their automated system did not notice those differences. Still they're not there for long, so why not challenge any refusal by saying your credit record was OK, what was the problem, and see if that resolves the issue?

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