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Should there be a financial services preference service?


PhantomReclaimer
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I see there is a discussion on another thread about people getting unsolicited invitations for credit through the post - even to the extent of getting pre-approved offers made.

 

Do people think that there should be a financial services preference service, rather like the telephone and junk mail preference services? This way, you could enter your name and address so that it would be an offence for a company to offer you financial services without you having approached them in?

 

The register would be funded by the industry from a small tarriff applied to all credit agreements and operated through people like Experian and Equifax and need not involve any more hastle than a crdit check does now.

 

.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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