CAG CRA S.A.R Club

[Allwood]

Jon should I wait and see what they produce as Equifax mentioned in the last para of their letter. It would be interesting to see what they produce.

[JonCris]

If you want

[renegotiation]

"Sosumi is the sound of corporate whistling in the dark, a jingle for charmers who believe the right-on-ness of their ventures will erase the obstacles that affect lesser beings".

 

What does this actually mean? :confused:

 

I have had some news back from Equifax on archiving. I will see if anything turns up from Callcredit tomorrow and post an update. On to the ICO soon.

 

P.S. Sosumi should change her name to sosumi azhols. :lol: I liked the name Sosumi too. Took me about 6 months to get it though. DUH!

[andrew1]

What does this actually mean? :confused:

 

What have I started?

 

Why I love... Sosumi | From the Guardian | The Guardian

 

That's where I picked it up from...

[renegotiation]

I'm none the wiser! :cry:

[andrew1]

I'm none the wiser! :cry:

 

I'm outta here ! When in a hole stop.......!

[renegotiation]

Share the joke chavs! :D:D

[GroundControl]

naaa I dont get it either !! NM

[ScarletPimpernel]

I'm none the wiser! :cry:

 

Is this a wah?

 

[mac pedant]

Sosumi was the first system beep on Mac computers, though not, as the Grauniad incorrectly reports, the startup sound. It's called sosumi (So, Sue Me, geddit?) because of the dispute between Apple Corps and Apple Computer which resulted in Apple Computer agreeing not to do anything musical.

 

Sosumi is not however, as the Grauniad reports, the

, as any fule kno.

 

Sosumi is still in Mac OSX Leopard - I use it as my error sound.

 

[/mac pedant]

[renegotiation]

"Sosumi is the sound of corporate whistling in the dark, a jingle for charmers who believe the right-on-ness of their ventures will erase the obstacles that affect lesser beings".

 

Well I didn't know that and cheers for the info. It was interesting. This is what I didn't get though! :lol: I am still none the wiser... :cry:

[andrew1]

Well I didn't know that and cheers for the info. It was interesting. This is what I didn't get though! I am still none the wiser... :cry:

 

Tell you what Reneg, I'm in it deep enough as it is, if I even begin to try and explain it will start a debate about my state of mind and no-one will want to go there. Lets call it quits shall we and get back to the thread intention and give poor ole Sosumi a breather? Poor gals trying to understand things herself and has a bad day now and again - I think I'm making it worse ! :D It was, just as a finality, meant to be a compliment ...now I'm saying no more... I'm off...

[Allwood]

Yes andrew1 lets get back to what the thread is about, I will be selfish here and asked you to look at the reply that I got from Equifax and would be grateful if you would let me have your comments on it.

 

Jon has given me great advice as you can see from above but do you think I am right in waiting to see what they will come up with regarding an agreement which the OC lender say they do not have agreement save for old bank statements also there were no agreement in the S.A.R - (Subject Access Request) bundle that I got from Equifax. Surely for Equifax to update my CRA file they would be in need to be in contact with the OC.

 

The letter that I posted above from Equifax was standard one as it did not have an original signature on it.

 

I am really confused by this and would appreciate on it. :-|

[renegotiation]

Only a bit of fun I know. I think you and Sosumi do a great job. I honestly don't get it though. Let it rest unexplained on the scrapheap of history then. :)

[andrew1]

Yes andrew1 lets get back to what the thread is about, I will be selfish here and asked you to look at the reply that I got from Equifax and would be grateful if you would let me have your comments on it.

 

Jon has given me great advice as you can see from above but do you think I am right in waiting to see what they will come up with regarding an agreement which the OC lender say they do not have agreement save for old bank statements also there were no agreement in the S.A.R - (Subject Access Request) bundle that I got from Equifax. Surely for Equifax to update my CRA file they would be in need to be in contact with the OC.

 

The letter that I posted above from Equifax was standard one as it did not have an original signature on it.

 

I am really confused by this and would appreciate on it. :-|

 

Hi Allwood, sorry for the diversion... I'm not exactly the best to speak to regarding getting Equifax to remove data mind you, What it appears to me is typical CRA lingo for " we do as our clients say" clients being the OC's and DCA's who pay them. However, that said, Equifax will not be coming up with any agreements and I'd suggest you take one stage at a time. I think you have to take each CCA request you have made to each DCA and throw the book at each one making complaints to their complaint procedure departments first, then to the OFT using the s77 CCA as your reasoning. 12 days 1 month criminal offence etc..and then stating that without it they should be processing the data and go on to the Information Commissioner. The agreement should come from the Original Creditors, The DCA's have an obligation to provide especially under the new legislation. It really is a pain in the proverbial with the likes of equifax, but you really have to thrash each and every one of these out with the individual companies. Not sure that helps you much..I just know from experiences of others how difficult getting this information reversed once it's on there and many end up threatening and taking court action before things get changed.

[Allwood]

Thanks andrew1, there was only one OC and I S.A.R - (Subject Access Request) them and they told me that that all the had was old internal bank statements going back to 2002 nothing else and I could not make hear or tail of them, I did not recognized any of it account number on them. When I got a letter from GPB solicitors threatening legal action, which they have sent to others I note from the board, they told me to contact BCW who were acting for Thames, I GPB and BCW last year. I got no reply from GPB but BCW sent me back my £1 stating that they would get Thames to send me CCA direct but of course that did not happen as there is no agreement according to OC.

 

Also I note from Equifax that they have been updating my CRA file that had reference to me making agreement to pay but how could they update this if there was not agreement in existence with the OC lender.

 

Then I note from my CRA file that Westcott and BCW has put trances on my CRA file and Equifax says that the Searches were in relation to an outstanding acct due to Tahmes Credit who act for Barclaycard and it goes on to say as these balances remain outstanding the searches cannot be removed.

 

Due to the last paragraph of Equifax letter maybe I should wait to see what the organization produce by way of an agreement.

 

I think I will also email the Information Commissioners Office attaching the letter that I received from OC and Equifax, to see what they say.

Edited June 27, 2008 by Allwood

[sosumi]

I found the 'sosumi' sound - yes it was an old Mac alert sound, it's here:

Rule to Play Sound

... scroll down the page, it's just a blip noise... but that must be where I got the name from

 

Meanwhile, if these 'reports' didn't have such devastating repercussions on peoples' lives they'd be a very very unpleasant example of businesses knotted up together - credit, debt, banks, credit cards, storecards, debt collectors, private investigators, data trading, information as 'commodity'... It's nauseating frankly - and ludicrous.

Tip one way - a few pounds 'in the black' - and businesses will buy your information to 'target' you with their services - insurance, more credit, and all the shabby detritus that they inundate you with. Tip the other way 'in the red' and - well just look at this forum. Nasty grubby 'business' it is.

They'd like everyone to believe that everyone in debt is evading debt. They'd like everyone to think they're checking files to 'establish residency'... Yeah right.

Their day is coming.

[ashleyjane]

HI all,

 

Really informative thread and really long which just goes to show the size of the problem. I am really anxious to see what various DCA's have been up to on my CRA file. Votes please for £2 version or sar route. Not sure I want to kick to kick the sleeping dogs.

 

Your advice wouldbe greatly appreciated.

 

AJ:rolleyes:

[sosumi]

Hi Ashleyjane

The forces of CAG are gathering to challenge the activities of Credit Reference Agencies - there should be a link on all of our sigs now, because Bankfodder's put it there. This has to happen.

I think anyone contemplating getting a copy of their Credit Reference Files should think seriously about requesting a full S.A.R - (Subject Access Request).

I know £10 is a lot compared to £2, but you are asking for all the information they have on you, unequivocally.

There is something I discovered only through SARing Experian and Equifax, that I'll post soon on the Legal Issues part of the forum. I'd not have known it otherwise.

CallCredit even calls the £2 request a 'Modified Subject Access Request'. I've yet to SAR CallCredit but will be doing shortly... but their title for the £2 file says it all, really. I don't want a 'modified' version of the information they have about me, and why should I? Additionally, both Equifax and Experian included my latest credit report as part of the SAR.

Hope this helps. Am a bit preoccupied at the minute

Here's the 'Data Protection and Default Issues' section - VIP!

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/

[ashleyjane]

Thanks Sosumi,

 

Your right of course why would I want a "modified" report. I'll have to do them one at time - money being too tight to mention as the song says and if what you have received is anythings to go I don't think we have the room for all 3 at once.

 

What amazing amount of work you and other on this forum have put in. I fell humbled by it. Hopefully I can play my part by challenging my credit file. I will keep you posted and probably pester you for advice.

 

Again many thanks

[andrew1]

Thanks Sosumi,

 

Your right of course why would I want a "modified" report. I'll have to do them one at time - money being too tight to mention as the song says and if what you have received is anythings to go I don't think we have the room for all 3 at once.

 

What amazing amount of work you and other on this forum have put in. I fell humbled by it. Hopefully I can play my part by challenging my credit file. I will keep you posted and probably pester you for advice.

 

Again many thanks

 

 

That's how it works AshleyJane, we all come on knowing little, people before us empowered us, we empower you, you empower others - great stuff..

[Allwood]

If an OC has sold a credit to DAC would the OC have to keep some sort of a record of the purchase on their file for SAR purposes.

[Sparkie1723]

If an OC has sold a credit to DAC would the OC have to keep some sort of a record of the purchase on their file for S.A.R - (Subject Access Request) purposes.

 

I think they would have to otherwise how could they prove you now owe them the "alleged" debt

 

sparkie

[Allwood]

Thank for that Sparkie, when I received my S.A.R - (Subject Access Request) from barclays they only had old internal bank statement which I could not make head for tail of so I wrote back to Barclays inquiring if they had any other date on my and they confirmed that they only had the bank statements. I received my SAR from Equifax and they also had nothing about Barclays in it. However Equifax had 2 organisations searches on my credit file and they were also mentioned in the bundle from them.

 

I made inquiries about the 2 organizations (DCA ****) with Equifax and was told that the 2 company's search were in relation to a debt with Barclay's. I sent off the letters that I got from Barclays confirming that they had nothing more that the internal statements and the letter that I got from Equifax to the ICO for them to help me with this.

 

I have not got a reply as yet but when I receive it I will post it on here.

Edited July 8, 2008 by Allwood

[sosumi]

EXPERIAN... The final battle commences

[Allwood]

Had a reply for DCA 'sorry' should have said CRA regarding searches on my file they said as they have not received any response from their 'clients' Wescot Credit Services they will removed their search from my file.

 

However they have not sent me any details of what BCW relied on to gain access to my CRA and their letter does not say that they have removed their search from my file. Will send everything to ICO to see what they have to say about it.