Petition to: Regulate the UK's Credit Reference Agencies. | Number10.gov.uk

[caro]

As this thread is 14 pages long it might not make sense if another thread is merged.

[craigers]

methinks any future petition could benefit with the power of social networking.

[lexis200]

Would it not be possible for CAG to email all the subscribers with this if another petition is started? I assume emails are held, and it's not like we get spammed with stuff from CAG so I can't think people would mind one single email?

 

Or, how about one of the site team mailing Martin Lewis? If you could get that onto the MSE weekly email with their hundreds of thousands of recipients you'd be laughing!

[Scrapper]

I know this might sound somewhat stupid of me but as consumers we agree to the companys we have contracts with that they can report information about us to CRAs as we signed up for that.

 

But did we give the CRAs permission to hold that information about us?

 

I'm being thick I know but I don't remember ever giving them permission to hold information about me and surely that falls within the Data Protection Act?

 

Make sense? No? Good

 

Thanks

Scrapper Coco

[Pinky69]

The CRAs are joint data holders with the creditors.

[angry cat]

The CRAs are joint data holders with the creditors.

 

Yes, agree.

But, as such they really should validate the information that they are jointly processing, however, in general it would appear that, they do NOT!?

[babybear39]

So sue them

[Pinky69]

I am suing 1 DCA and a bank for entering unlawful defaults. To ensure the CRAs cannot escape from their responsibilties, I have sent them copies of the concocted statements. They cannot deny their inaccuracy and default entries must be both lawful and accurate. If I am successful with the bank and DCA, I intend to sue the CRAs. The cases are also with the ICO.

[Desperate Daniella]

Well done, Pinky.

 

I shall look forward to your successes.

[Pinky69]

Thank you Daniella. I hope so.

[lexis200]

How's it all going Pinky? Your thread seems to have become a general default chat now and it's a bit tricky to follow your specific posts!

[Pinky69]

I can go ahead with 2 of the cases and I have them almost ready. The other 3 are with the ICO and I am going to wait for their decision but that won't stop me going ahead. With experience of the ICO I have learned that accuracy of the defaults is just as important as the lawfulness so I have sent them all the duff statements I received. Big backlog there - 9 months. Still, hopefully it will be worth waiting for. I don't need credit - I just want to sue their ar%es off!

[Jasper1965]

Good luck with the ICO Pinky, one point that's often missed when disputing the accuracy of records is that the history of the account BEFORE the default always seems to disappear. I've gone back at Cabots claim that they are simply lodging the default to maintain an accurate record of how the account was operated by pointing out that prior to events which led to Cabot getting their dirty mitts on it the account was run pretty well and thus an accurate 'picture of how the account was run should currently show three and a half years of greens with the odd 'one' marker prior to the default and the omission of the years when the account was well run is a gross failure by cabot to accurately and fairly represent how the account really was operated.

 

Of course the £366 default amount will shortly be wiped out by nearly £500 of charges I'm claiming back (claiming directly from Cabot as an equity under assignment which appears to have confused Cabot into querying whether they really do own the account or not ) so they are doomed to failure on the default thing anyway, just trying to cause them as big a problem as possible along the way.

[lexis200]

glad to see it's still plodding on then, it's just a shame it takes so long.

 

I didn't realise there was such a massive backlog. I guess my SAR non compliance complaint (from jan) will be a while then:rolleyes:

[Scrapper]

subbing

[citizenB]

glad to see it's still plodding on then, it's just a shame it takes so long.

 

I didn't realise there was such a massive backlog. I guess my SAR non compliance complaint (from jan) will be a while then:rolleyes:

 

Hmmm, well lets just say, if you have been holding your breath, you are in deep trouble

[lexis200]

Thank goodness you came along CB, I was beginning to go all purple:D