CAG CRA S.A.R Club

[sosumi]

It was the last box (about emails, "If you believe..." paragraph) that annoyed me the most. I wrote (on the form) "How would I know that? Surely it is for you to give me details of any such contacts?"

[patrickq1]

You should ALL be aware that the Information Commissioner has notified PEOPLE that the condition for processing below covers the sharing of account data with the(CRAs) for the duration of a contract (THIS BEING A CONTRACT THAT YOU THE CUSTOMER SIGNS TO THE BANKS ETC) and six years beyond.

THEN THE INFORMATION COMMISSIONER IS FUNDEMENTALLY WRONG THIS IS DATA THAT HAD BEEN SUPPLIED SECOND HAND BY ANOTHER AND NOT BY YOURSELF YOU DID NOT AGREE TO THIS DATA BEING SHARED YOUR AGREEMENT SHOULD HAVE BEEN "FOR SPECIFIC PURPOSES AND TO BE SHARED WITHIN THE BANK AND ITS PARTNER COMPANIES "

IF THIS IS NOT IN YOUR CONTRACT YOU SHOULD BE AFFORDED THE RIGHT TO CHANGE THE CONTRACT TO THE ABOVE THIS WAY THE ICO ARE THEN COMMITTED TO ACT IN THE ILLEGAL SHARING OF YOUR DATA

MY OPINION ONLY ?

[Allwood]

Thanks Sosum - on looking at their letters again they said that they responded to my letter on 14 & 20 of March they enclosed a copy of the 14 March but I never received any of these letters from them. The must be getting short of money as they did not send me an envelope. Also at the top of the form it has declaration written and in a box below that it has a box for my signature.

 

Also it goes on to say : as you put it above sosumi it is the same form they sent me

 

I am concerned that they are asking me to sign again as I do not trust them whatsoever.

 

I have given them the relevant information and sign my initial letter – and considering that they sent me a credit report in February 2008. and in 2 in November because the first all the entries dublicated, I am thinking of asking them for their complaints procedure because o f the duplications. Are then now saying that they should not have sent me that report without the above information.

 

Sosum did you fill in the form for them and also did you give them the extra information that they asked for.

[sosumi]

Yes I did Allwood - I was pretty peed off with them though.

I've just typed the wording, all of the parts are in separate boxes. I signed and dated the declaration, put my address in, wrote "X-DIR" next to the phone number request, gave my email address and my maiden name (clearly stating that it's obviously my former name).

The rest just got me angry - as I said, so I struck through most of the boxes as N/A. I also wrote across the top: "PLEASE NOTE I HAVE RETAINED A COPY OF THIS. AS YOU HAVE CASHED MY CHEQUE, I EXPECT THE DATA REQUESTED ASAP."

They got on with it then

[Allwood]

Thank patrick a good point, I feel like asking them why they do not confirm with information they get second hand to see if that information is correct before it goes on their file for them control my finances.

[Allwood]

Yes I did Allwood - I was pretty peed off with them though.

I've just typed the wording, all of the parts are in separate boxes. I signed and dated the declaration, put my address in, wrote "X-DIR" next to the phone number request, gave my email address and my maiden name (clearly stating that it's obviously my former name).

The rest just got me angry - as I said, so I struck through most of the boxes as N/A. I also wrote across the top: "PLEASE NOTE I HAVE RETAINED A COPY OF THIS. AS YOU HAVE CASHED MY CHEQUE, I EXPECT THE DATA REQUESTED ASAP."

They got on with it then

 

I am going to send a copy of it to the ICO for their information.

[sosumi]

Patrick, I totally agree with your anger and what you say. DCAs are pigs, and CRAs feed and maintain the sty.

[Allwood]

Solum - did you send them your passport or driving licenses what if people do not hold these not everyone drives or have passport. what else can I send them instead.

[mrmarmite]

JUST in case this is of any interest:

Credit Today online

and:

Credit Today online

[mrmarmite]

and if you live in London and would like to be a Debt Collector:

Credit Today online

[mrmarmite]

AND then I stumble accros this:

Credit Today online

[patrickq1]

yes worrying times for DCAs about time hope they look at cabot and hfo

patrickq1

[Newborn]

The good news for a lot of us is that, when laws change, regulators almost always look at what the big players are doing first. This is because it has the greatest bang for the buck.

 

Hence the first point of call for them will probably be to the likes of Cabot etc.

 

The bad news however, is that the regulators will be more intent on showing them how to operate within the new framework than with hitting them with fines etc. The DCAs will be given time to adjust and, once given the all clear and thumbs up by the regulator, they will come at us with renewed vigour and intent. This in the belief that their 'new procedures' are legally watertight, compliant and in any dispute they will now automatically attract the backing of the regulator.

 

Complaints to the regulators may also be harder as they will say 'we've already risk assessed this company and they're squeaky clean, so we'll back them not the debtor'.

 

Keep reading the forums and learning, be ready!

 

Newborn

[Allwood]

The law will not change until this piece of history is well and truly forgotten by the public. The government are no fools all they are after is votes.

[dannyboy660]

The good news for a lot of us is that, when laws change, regulators almost always look at what the big players are doing first. This is because it has the greatest bang for the buck.

 

Hence the first point of call for them will probably be to the likes of Cabot etc.

 

 

Newborn

 

...and there is a certain Company in Leeds who have been blowing their own trumpet about the huge profits they have been making, and recently won an award as being Venture Capital Business of the year. A sucker (there's one born every minute) then paid i.r.o. 200 million GBP for a company which is quite probably sitting on a pile of, what is in reality, worthless paper. They 'buy' the accounts alright (with borrowed money, assumedly), but the profit doesn't actually exist unless or until they collect it.

 

Who would take such a giant risk with a company like that, on the eve of recession when more people are likely to be saying "stuff the DCA's I'm paying my mortgage/council tax", - at a time when we wait with baited breath for the ruling on the bank charges case, - and when the OFT etc are looking for someone to take to the sacrificial altar??

 

Whoever was behind that company and sold out at just the right moment has to be acknowledged as a genius of profiteering. A business masterstroke.

[cashins]

Who would take such a giant risk with a company like that, on the eve of recession when more people are likely to be saying "stuff the DCA's I'm paying my mortgage/council tax", - at a time when we wait with baited breath for the ruling on the bank charges case, - and when the OFT etc are looking for someone to take to the sacrificial altar??

 

 

 

I would think people who understand that the foundation of debt collection is to pressure debtors into paying, (even if you have no legal right to do so) and that enough will pay to ensure a healthy profit.

 

David

[babybear39]

I would think people who understand that the foundation of debt collection is to pressure debtors into paying, (even if you have no legal right to do so) and that enough will pay to ensure a healthy profit.

 

David

 

Unfortunately, I have to agree Not nearly enough people realise that they have rights, what they are, and that they have the right to pay priority debts ie. mortgage, council tax etc. before non-priority un-secured debt. Nor do they realise they have any rights to question the DCAs. It's time the public were made aware of these rights in light of what inevitably is coming

[cashins]

Unfortunately, I have to agree Not nearly enough people realise that they have rights, what they are, and that they have the right to pay priority debts ie. mortgage, council tax etc. before non-priority un-secured debt. Nor do they realise they have any rights to question the DCAs. It's time the public were made aware of these rights in light of what inevitably is coming

 

Very true:(

[ScarletPimpernel]

BBC Money Box Live today 14 Apr is about CRAs - and you can ask questions. More details here.

[Seahorse]

Does anyone remember the thread where there was a warning that requesting your credit report seemed to open the floodgates and led to being hounded again by the sleeping dogs of the DCA's suddenly waking up again?

 

If anyone could point me in the right direction, or have personal experience of this happening, could you email me at [email protected] please.

 

I've had an email from the producer of Radio 4's Moneybox asking for more info about this.

 

Cheers folks.

[dannyboy660]

Is this not it?? If you go back to the earlier post around 50 ish there is some discussion there in that vein.

 

I can't find a specific example but it's not unusual to get wolves at the door and/or inundated with loan offers after requesting a credit report. If BBC producers aren't already aware of this they must be living in a different world to the rest of us. It's a well known fact that CRA's own DCA's and even get their hands dirty in politics http://www.experianintact.com/content/uk/documents/pressReleases/LabourParty.pdf All this ID theft scaremongering and 'Get your Credit Report now!!!' stuff is a monumental stitch up, and laying the foundations for a national database.

 

I pinched http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/107363-wescot-did-you-know.html from an earlier post - is that the one???

[ODC]

Not only do the sleeping DCAs awake but for some strange reason people get great offers of consoliidation loans and new adverse credit credit cards

[mrmarmite]

I assume you lot mean Experian who own littlewoods, argos, couple DCA's and other companies??????????

[renegotiation]

I'm sure there is stuff on the websites of the CRA's about passing on details to the DCA's! They say something along the lines of 'you can't reveal us as the source of the leak'. I believe that this has been cut and pasted on to this thread already. That's all the evidence we need! As it goes, my mum requested her report and my dad got something through by return post for an old debt from HFO.

[mrmarmite]

I'm sure there is stuff on the websites of the CRA's about passing on details to the DCA's! They say something along the lines of 'you can't reveal us as the source of the leak'. I believe that this has been cut and pasted on to this thread already. That's all the evidence we need! As it goes, my mum requested her report and my dad got something through by return post for an old debt from HFO.

 

Experian by any chance?