CAG CRA S.A.R Club

[stadium_arcadium]

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!!

[Goldlady]

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.

[elizabeth1]

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?

[Goldlady]

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

[elizabeth1]

A cunning plan elizabeth 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?

[babybear39]

Awesome idea elizabeth

 

Shame I've recycled all mine. Nevermind, I bet there'll be many more

[joesoap]

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.

[sosumi]

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

[Having_A_Knightmare]

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

[mawsenio]

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

[ODC]

. 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?????????????????

[oneofakind]

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.....

 

 

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

[elizabeth1]

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.

[oneofakind]

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.'

[buzby]

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!

[Kwakahumdrum]

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!!!

[elizabeth1]

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.

[elizabeth1]

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!!!

 

 

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.

[Kwakahumdrum]

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.

Sorry to be ignorant but what is an S10???

[buzby]

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.

[buzby]

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.

[ODC]

So in essence what you are saying is that a CRA can register a default on your Credit File on the word of a DCA without ANY proof.

 

What happened to ensuring Data was ACCURATE

[buzby]

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.

[sosumi]

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.

[sosumi]

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!