Jump to content


  • Tweets

  • Posts

    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

CAG CRA S.A.R Club


sosumi
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4195 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I'm jumping on this (crowded;) ) bandwagon too!! I sent off for my credit reports to all 3 CRA's a few months back and have had a serious amount of loans/car credit spam through the postbox ever since! I am appalled by the realisation of the extent of hand holding between the DCA's and CRA's:x

My SAR will be going out next week too!!

Link to post
Share on other sites

  • Replies 1.3k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I got my experian log on today. I might just apply for everything that comes through the door - if anyone is mad enough to lend me money with 8 "number 8's" then good luck to them;). On the other hand I have quite enjoyed being self-sufficient after years of relying on my plastic.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

I got my experian log on today. I might just apply for everything that comes through the door - if anyone is mad enough to lend me money with 8 "number 8's" then good luck to them;). On the other hand I have quite enjoyed being self-sufficient after years of relying on my plastic.

 

 

I might just start sending EXPERIAN a weekly bundle of all the mailshots coming through letterbox since I ordered my experian report!!

 

They think it's fun sending me junk mail and passing my telephone number to "marketing depts" - I'll send the stuff to them see how they like it!!!!

 

2nd class stamps cost pennies - I won't be worried how long this stuff takes to get there to them!! Let them pay their staff to sit there opening mailshots!!! I can tear my name and address off the stuff - how will they know where it came from? :D

Link to post
Share on other sites

A cunning plan elizabeth :D Are there really that many letters? Suggest we all do it.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

A cunning plan elizabeth :D Are there really that many letters? Suggest we all do it.

 

YES really lots of letters I have a folder full of them really - and my phone is always ringing - Hubby is so ragged off with callcentres "offering special rates" - he tells them all where to go!!

 

I am going to just mail these leaflets to experian with cheap stamps - teach them to put my name on mailing lists ? I reckon if enough of us did it they'd soon get fed up?

Link to post
Share on other sites

If you don't want any crap through the post, register with the Mail Preference Service, I did years ago and I get nowt, except of course the bits of Sh*t that come addressed "to the occupier" which fortunately, are few and far between. In addition, I registered with the Telephone Preference Service years ago, I don't get any unsolicited 'phone calls either. The odd one might slip through but once you tell them you are TPS, they don't ring again. It also helps being ex - directory. I became ED when I had a business and after that folded i just let it run.

Link to post
Share on other sites

YES really lots of letters I have a folder full of them really - and my phone is always ringing - Hubby is so ragged off with callcentres "offering special rates" - he tells them all where to go!!

 

I am going to just mail these leaflets to experian with cheap stamps - teach them to put my name on mailing lists ? I reckon if enough of us did it they'd soon get fed up?

Excellent idea Elizabeth!! :) xx

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

Hi

 

Ive got a great way of getting your own back on junk mail.

 

Simply fill the pre-paid envolope they send with the letter up with as much junk as you can find. The heavier and larger you can get it the better.

 

Then repost it back to them. They Royal Mail charge them on weight and size.

 

For example:

 

If you can get the envolope over 25mm and say the weight 251 gramms it will cost them £1.84.

 

"Sand is heavy and cheap"

 

HAK

Link to post
Share on other sites

Y'ALL GOT IT WRONG

Sorry to shout but no need to fight a cause that isn't there.

Anyone is entitled to see their credit file under the Data Protection act, CRA's have to provide this for £2. A full report would include all data a CRA hold on you which, unless you worked for one, would be exactly the same.

Creditexpert is the same data as your £2 report but in no way is it flagged nor does it allow anyone to view it. Period

Debt is a tricky thing, for some it is unavoidable and others have carelessly got themselves into it. All borrowers pay for bad debt via higher interest rates so the more collected the better. The greater the bad debt Either way, in theory, debt collection is a legitimate business.

 

Debt collectors can only see data when they have bought a debt and if the lender shared this data with a CRA in the first place. It is the same as a lender would see when you apply for credit. If you are in deep trouble the collector is likely to recognise you have a few debts and are less likely to cough up so they wont chase you as hard. They certainly can't look for juicy debt they'd like to chase as this is stealing customers and no banks is going to allow other organisations to steal their customers via data they share.

 

I advise anyone to look into a CRA before making them a scape goat. They exist to hold data centrally at the bequest of lenders so they can make better decisions. They do not own or create the data and are subject to SCOR rules and the Data protection act. . DPA states that data can only be used in ways described to the individual at point of collection. Any data they have on you is via consent you gave when applying for credit

Link to post
Share on other sites

:rolleyes:

. If you are in deep trouble the collector is likely to recognise you have a few debts and are less likely to cough up so they wont chase you as hard. Try telling that to thos on here who have Debt Collectors tell them to sell clothes and furniture to satisfy their GREED. Tell that to people on here who have been told to borrow the money to pay off the GREEDY debt collectors. Tell that to the people on here who have been told they will be made BANKRUPT by a GREEDY DCA. Tell that to the people on here who get thirty phone calls a day demandoing payment in full.

 

I advise anyone to look into a CRA before making them a scape goat. They exist to hold data centrally at the bequest of lenders so they can make better decisions. They do not own or create the data and are subject to SCOR rules and the Data protection act. . Data Protection Act states that data can only be used in ways described to the individual at point of collection. Any data they have on you is via consent you gave when applying for credit

Then ists probably a mere coincidence when some of us apply for our files from the CRAs that we are innundated by offers of loans and Credit Cards and new GREDDY DCAs appear from under a stone.

 

Who do you think you are KIDDING?????????????????:roll:

Link to post
Share on other sites

I advise anyone to look into a CRA before making them a scape goat. They exist to hold data centrally at the bequest of lenders so they can make better decisions. They do not own or create the data and are subject to SCOR rules and the Data protection act.

 

We are looking.

Very closely.

If you spend a bit of time looking around this site, you'll discover many, many instances where the Data Protection Act, and many other rules and regulations, are flouted with impunity. The CRA's are too closely mired in the incestuous linkages of the Debt Collection business to be treated as neutral....

JMHO of course.....

 

:cool:

 

And of course, SCOR is a body representing, and funded by, the financial industry. Just like the CSA.

Link to post
Share on other sites

I advise anyone to look into a CRA before making them a scape goat. They exist to hold data centrally at the bequest of lenders so they can make better decisions. They do not own or create the data and are subject to SCOR rules and the Data protection act. . Data Protection Act states that data can only be used in ways described to the individual at point of collection. Any data they have on you is via consent you gave when applying for credit

 

However these CRA's are supposed to ensure the Data they are publishing about people is CORRECT ??

 

As you will read more of throughout the boards and various discussions going on here - these CRA's are not ensuring that the data they hold on people is correct.

 

I have written to these CRA's explaining that certain files of ours were incorrect will you remove or correct that data please? they wrote back saying NO this company said it's right so we will write what they said.

 

SO then I say but look they don't even have a CCA in place so how can this data be right? I then get met with the reply that the company deny what I am saying.

 

I tell the CRA's to ask the company to prove their CCA exists - they aren't even diligent enough to do that - they write the rubbish and pass the marketing lists onto people with the faulty data.

 

My telephone has always been ex directory - so without a CCA in place none of these companies have the right to pass my data anywhere. These flyers and leaflets aren't coming through my door because of anything I have done - all I did was get my CRA files.

 

By going through my Cabot SAR files I saw these people had even searched Land Registry to see what equity was in my home etc.. before they pounced a week later with a court summons - they have no CCA either - but issued a court claim. These companies have no legitimate reasons for what they are doing.

 

The CRA's certainly need to be more diligent as they clearly are not checking facts prior to writing files on behalf of companies - and it's illegal for them to do this and write the wrong info about us. It really is time these CRA's were held responsible for what they are doing.

Link to post
Share on other sites

Let's report them to SCOR, Elizabeth. I bet they're really hot on consumer rights...

 

Steering Committee on Reciprocity (SCOR)

'The UK finance industry established the Steering Committee on Reciprocity (SCOR) to develop and oversee documented guidelines on the use and sharing of credit performance and related data on individuals. SCOR consists of representatives from the CML, British Bankers Association, the Finance and Leasing Association, the Mail Order Trade Association and the Consumer Credit Trade Association, together with representatives from the credit reference agencies (CRAs) Experian, Equifax and Callcredit.

 

SCOR produced the Principles of Reciprocity (the Principles) after consultation with financial trade associations and regulatory bodies. The Principles set out the rules for the recording, supply and access of credit performance data shared through the CRAs. The 'Governing' principle is that data should only be shared for the prevention of over-commitment, bad debt, fraud and money laundering, and to support debt recovery and debtor tracing, with the aim of promoting responsible lending.'

  • Haha 1
Link to post
Share on other sites

SO then I say but look they don't even have a CCA in place so how can this data be right? I then get met with the reply that the company deny what I am saying.

 

Whilst I agree with your sentiments, a CCA agreement does not need to be in place for a creditor to report your dealings to a CRA. All it needs is your agreement - similar to that offered by mobile companies - which are not CCA regulated, but your agreement to disclose info to CRA's is!

Link to post
Share on other sites

Are you saying then that if a DCA does not have 100% proof that you are who they think you are (so they DONT have my agreement!!!), they have no right to put ANY details on my CRA report???

 

Would this be a violation under article 8 of the Human Rights Act???

 

I have had a DCA send me letters on the basis that by public records someone of my name lives at my address, neither of which I have replied to, they have then just added negative information to my credit file!!!:evil:

Link to post
Share on other sites

Whilst I agree with your sentiments, a CCA agreement does not need to be in place for a creditor to report your dealings to a CRA. All it needs is your agreement - similar to that offered by mobile companies - which are not CCA regulated, but your agreement to disclose info to CRA's is!

 

Buzby - and this is the whole point - they don't have agreement or permission to do this. Even when an S10 notice is issued to these companies they all ignore it and continue writing rubbish anyway.

Link to post
Share on other sites

Are you saying then that if a DCA does not have 100% proof that you are who they think you are (so they DONT have my agreement!!!), they have no right to put ANY details on my CRA report???

 

Would this be a violation under article 8 of the Human Rights Act???

 

I have had a DCA send me letters on the basis that by public records someone of my name lives at my address, neither of which I have replied to, they have then just added negative information to my credit file!!!:evil:

 

 

Yes this is right - without a relevant CCA in place - these DCA's have no rights to write anything - therefore the CRA's should be taking notice and asking for proof off the DCA's to verify what they are writing as true?

 

the point is without the CCA as a properly executed agreement these DCA's don't own the account no matter what they argue - so should never have issued defaults or continuation of the CRA files.

Link to post
Share on other sites

Kinda irrelevant, really. The reference is to Section 10 of the Consumer Credit Act, which elizabeth1 feels must always be in place before a CRA processes data onto your credit file. Which isn't the case at all. CRAs can accept data from their clients, but the latter have to ensure they have told you (via T&Cs) that your financial dealings will be disclosed in this way.

Link to post
Share on other sites

the point is without the CCA as a properly executed agreement these DCA's don't own the account no matter what they argue - so should never have issued defaults or continuation of the CRA files.

 

Sorry, but a DCA has the right to process your data without a CCA agreement being in place. I provided evidence of this in my earlier post.

Link to post
Share on other sites

Absolutely, it is done all the time. But it is not the CRA who registeres the default - they are simply the facilitator - it is the creditor company who places it on your file. However the CRA need only their client (the creditor) to state that the consumers is in arrears or in default for the record to be updated. If you discover this and it is in error and the CRA refuses to update or correct the entry (usually after speaking to their client to originally provided the data), then your next recourse is to the Information Commissioners Office with a formal complaint, supplying any evidence to support your claim.

Link to post
Share on other sites

Y'ALL GOT IT WRONG

Sorry to shout but no need to fight a cause that isn't there.

Anyone is entitled to see their credit file under the Data Protection act, CRA's have to provide this for £2. A full report would include all data a CRA hold on you which, unless you worked for one, would be exactly the same.

Creditexpert is the same data as your £2 report but in no way is it flagged nor does it allow anyone to view it. Period

Debt is a tricky thing, for some it is unavoidable and others have carelessly got themselves into it. All borrowers pay for bad debt via higher interest rates so the more collected the better. The greater the bad debt Either way, in theory, debt collection is a legitimate business.

Okay - thanks for that, we weren't sure, feel much better now!

Debt collectors can only see data when they have bought a debt and if the lender shared this data with a CRA in the first place. It is the same as a lender would see when you apply for credit. If you are in deep trouble the collector is likely to recognise you have a few debts and are less likely to cough up so they wont chase you as hard.

Please have a look around the site.

They certainly can't look for juicy debt they'd like to chase as this is stealing customers and no banks is going to allow other organisations to steal their customers via data they share.

Clearly not. That would all be very illegal, wouldn't it?

I advise anyone to look into a CRA before making them a scape goat. They exist to hold data centrally at the bequest of lenders so they can make better decisions. They do not own or create the data and are subject to SCOR rules and the Data protection act. . Data Protection Act states that data can only be used in ways described to the individual at point of collection. Any data they have on you is via consent you gave when applying for credit

I'll get my S.A.R - (Subject Access Request) soon, then? It was received by Experian on 3rd September - 40 days will be up on 13th October. They had no problem sending my printed (£2) Credit File, so what's the problem? Why the delay? They confirmed receipt in a letter stating they'd begun 'collating my data' dated 5th September. You'd think an SAR would matter? Send my SAR, eh?

PS: Experian have now cashed 2 cheques from hubby, each for £2, for a printed copy of his Credit File. He's still waiting for that too. He also asked for a copy of Experian's Complaints Procedure and Form. Is it worth making an appointment to see someone personally? Get the whole cheque-cashing-but-not-sending-anything sorted out? I'm not sure Experian handle visits from Consumers... 7 days from now, if the SAR isn't with me, I'll find out.

Still waiting for my Equifax SAR too. Interesting.

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

PS, by way of a reminder - S.A.R - (Subject Access Request) to Experian was to investigate DLC/Hillesden's continuing to register a default on my credit file post non-CCA compliance. Still to talk to the local Land Registry about DLC/Hillesden. SAR to Equifax was to investigate the 'BCW Group' 'Trace' noted on mine and hubby's credit file the very day BCW received my CCA request. Currently waiting to hear more about that from other parties.

Private data is not a commodity.

So, send us all the SARs legitimately requested, let us make our own minds up! :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...