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Lowell Financial (DCA) credit checking????


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Hi

 

I have had on going problems with Barclays Bank and a DCA called Lowell Financial who they apparently sold my "debt" to.

 

I have recently been turned down for a loan and it turns out that Barclays Bank have very kindly defaulted my "debt". Now having argued and ranted and raved at them we have finally come to an agreement whereby they are going to remove the default.

 

ANYWAY I have received my credit report from Experian and it appears that those lovely chaps at Lowell have done a credit check on me. Now I am fairly sure that it is illegal for them to do this without my permisssion. Does anyone know what the lay of the land is on this one, because quite frankly if Lowell have broken the Data protection act then I want to report them.

 

Any information on this would be great.

 

Thanks

 

V

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If they've done that then they have broken the law.

 

Reort them to the IC and let them investigate, but tell lowell your doing it!

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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  • 3 weeks later...

Does it actually show as a credit application (not allowed) or as an enquiry ?

If enquiry they can trace you via CRA's.

Rotton isnt it? I have argued this one before but if it shows an enquiry then no other lender sees it and apparantly allowed.

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  • 4 weeks later...
Does it actually show as a credit application (not allowed) or as an enquiry ?

If enquiry they can trace you via CRA's.

Rotton isnt it? I have argued this one before but if it shows an enquiry then no other lender sees it and apparantly allowed.

 

No they have made an enquiry with out your permission. Your principalled rights have been breeched.

 

Report them to the IC, and also complain to the cRA

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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