creddit file access tip off debt agencies

[postggj]

This Has been mentioned a few times on the forum.

 

The question that is being asked is that when you access your credit file for what ever reason, if the CRA have a marker against your name on behalf of a DCA , do they tip off any debt collection agencies? I have longed believe the credit agencies offer a subscription service to the DCA industry

 

Now i have not had any credit in any form since 2008. I have learned to live without it and all my past transgressions have long since become statute barred.

 

Six months ago i transferred my broadband and phone to sky, three weeks ago i transferred back to BT.

 

BT had to do another credit check on me they said it was to make sure i did not owe BT anything. Passed credit check and phone and broadband up and running yesterday.

 

Today i receive a phishing from our old friends LLOWELL

 

Dear Mr POSTGGJ

 

We hold this email address on your file and would like to use it to communicate with you - we work closely with our customers to ensure that they are given the support that they need to find the right solution for them and we would like to speak with you today.

 

Please contact us on 0113 308 6085 to see how we can help you or if you would prefer that we didn't email you at this address - please quote XXXXXXXX when calling.

 

 

Yours sincerely,

 

James Crabtree

 

Customer Service Manager

 

Lowell Financial Ltd

 

 

I refuse to enter into any interaction with them but do people find it a coincidence Lowell sending me an email shortly after having a credit check??

[Lilythepink]

I agree with you, strange things happens, especially when you are associated financially with another person.

[patrickq1]

No suprise their yes I am of this opinion they do farm out ¥

[citizenB]

It does seem a little too coincidental doesn't it ?

[postggj]

Considering i have never needed finance since 2008, or had any sort of credit check

[sequenci]

They do share data mate. Absolutely.

 

One of the main ways is via GAIN: http://help.creditexpert.co.uk/help/CreditExpert_OOS/report_guide/GAIN

 

It's always worth reading the small print when you take out any form of further credit or a Sky package etc. as you may be asked if they can share your data.

[postggj]

I can accept that but i have been at my current abode for the last three years, pay council tax and on the electoral register

 

What surprises me is that why are LLowell sending me an email, do they not have my address? that's what the electoral roll is used for

[sequenci]

I can accept that but i have been at my current abode for the last three years, pay council tax and on the electoral register

 

I'm pretty sure data would be shared every time a new application is made - regardless of whether someone has moved or not.

[postggj]

I realise data is shared every time a new link is made

 

Barclay's updated my old address to my new address with the credit agencies when i informed them i had moved

 

Why are llowell emailing me and not destroying a rain Forrest threatening hang,draw, and quarter for non compliance. "baffled"

[postggj]

Well i had a letter from Lowell today, not the usual threats of hang draw and quarter. I must say , they were quite persistent in trying to get any phone number off me, they gave up in the end.

 

It seems this is all over a bill to three mobile from 2008. We all know about Lowell and three. I have demanded all paperwork etc (I doubt any exists) They tried to palm me off with getting the last statement, not interested, and all correspondents from now on in writing

 

Seems i am going to be having some fun, not done any DCA bashing in three years

 

I have never had a three mobile account:mad2:

Edited July 1, 2013 by postggj

[postggj]

Just bumping this up asking if anyone else have had this with a three debt and Lowell recently

 

A few years ago they were chasing quite a few people for fictitious Three debts, watchdog ran one of the stories i believe