CAG CRA S.A.R Club

[Curlyben]

There have been a couple of other CAGers that have S.A.R - (Subject Access Request)'d the CRA's and received a shed load of paperwork.

It's on my list for the next project once I have everything under control

Sosumi, I'll happily move up my plans if you want some support.

We can both attack this.

[Curlyben]

Just been having a dig around the forum.

Here's some others SARing the CRA:

http://www.consumeractiongroup.co.uk/forum/general/88801-debt_mountain-experian-cra.html?highlight=experian

http://www.consumeractiongroup.co.uk/forum/legalities/20118-default-hell.html

 

 

More interesting stuff:

http://www.consumeractiongroup.co.uk/forum/legalities/33991-latest-arguments-experian.html?highlight=experian

http://www.consumeractiongroup.co.uk/forum/legalities/24962-about-experian-about-information.html?highlight=experian

http://www.consumeractiongroup.co.uk/forum/legalities/30662-scanned-copy-experian-letter.html?highlight=experian

http://www.consumeractiongroup.co.uk/forum/legalities/29942-hard-copies-experian-letter.html?highlight=experian

 

 

As they always say you can never have enough ammo

[Curlyben]

renegotiation, that's not really a worry as we have the tools and knowledge to deal with that eventuality

 

This has already happened to Dobby, when they requested the simple report anyway.

[Curlyben]

Also we'll need to be up on Data Protection Act

Here it is: Data Protection Act 1998 (c. 29)

 

This is one of the most important parts: Data Protection Act 1998 (c. 29) - Principles

 

Also here's info on the CRA's

Credit reference agencies

Debt Factsheets - Credit Reference Agencies

National Debtline England & Wales | Debt Advice | Factsheet 05 Credit Reference Agencies

Credit Reference Agencies - Who uses who?...

 

Does anyone want to add anything else ?

[Curlyben]

For the SAR I think it's a simple case of asking for all documents and notes concerning all activity concerning us.

So the bank one should do as a template: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

[Curlyben]

Thanks CB - when you say 'us' does that mean I can ask for one covering both hubby and me?

 

sosumi, remember that DPA covers individuals, so you'd have to do one each with TWO lots of fees as well.

[Curlyben]

Sosumi, I agree, we have been lead to believe that the CRA's are working as an independent body, but from experience here that just isn't true.

There are DEEP links between the CRA's and collection industry that simply shouldn't be allowed.

The number of times there are posts where people have checked their file and DCA's have come knocking or they simply trawl through our records is scary. This whole thing smacks of MASSIVE breach of the DPA and hopefully this action should go some way to uncovering that.

 

If it does I think that our next course of action should be a serious complaint to the appropriate bodies. Now I wonder if the FOS would be interested

 

Hopefully with all the good work that CAG is doing the financial industry as a whole will get the wake up call that they need.

 

Post your S.A.R - (Subject Access Request) when you're done and we'll have a look.

I've been thinking along the same lines as well.

Something short and sweet and too the point I believe is in order.

[Curlyben]

Hmm not sure about that letter sosumi.

I was thinking more along these lines.

Data Protection Act 1998

Subject Access Request

Dear Sir/Madam

DATA SUBJECT: **Your Name and Address**

 

Please supply me with a complete breakdown and copies of all information held with your organisation.

 

Also details for every organisation that has accessed my data for the period which you hold records and any supporting documentation and notes.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which I normally use.

 

Please consider this a request under section 7 of the Data Protection Act 1998. I enclose the statutory fee of £10. You have 40 days in which to comply.

 

Thank you in advance for your assistance with this matter.

I would appreciate your due diligence.

 

Yours faithfully,

 

That should cover it.

Also you'll have to sign this one, but do it in such a way as to make photoshop specials impossible.

Normally I sign on a printed line like this; #_________*__________#

[Curlyben]

Lolly, seeing as there are only 3 CRA's and Call Credit are small and relativly unused I was thinking SARing the 2 E's, so Experian and Equifax.

[Curlyben]

Sosumi, you want to sign through the printed line to ensure they can't photoshop special it later on

[Curlyben]

lolly, there is NO evidence that the CRA's actively pass our information to the DCA's, but it is known that the DCA's trawl the CRA's records.

[Curlyben]

ODC, it's the other way round.

Experian owes a DCA

[Curlyben]

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/107363-wescot-did-you-know.html?highlight=equifax

[Curlyben]

Yep, why not.

Can but ask.

[Curlyben]

Looks good to me

[Curlyben]

M.W feel free as it's open to everyone.

The more the merrier for our happy little band

[Curlyben]

Guys, some more information for later use.

 

http://www.consumeractiongroup.co.uk/forum/legalities/24013-defaults-proposed-method-removal.html

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/111211-defaults-background-removal-methods.html

[Curlyben]

Oooooooooo nice of them.

What rate they offering ?

[Curlyben]

Hey Djdave, welcome to the CAG CRA S.A.R. club

[Curlyben]

They seem to be ignoring me.

Oh well can but wait

[Curlyben]

Well bring them on as my score is currently

DCA - 0

CB - 12 !!!

[Curlyben]

Yes and NO.

A SAR produces ALL the data that the CRA's hold on you not just the overview summary you get for £2.

[Curlyben]

Hey guys we now have a shiny new title thanks to Bookworm.

So Welcome to the Official:

CAG CRA S.A.R Club

[Curlyben]

There is a free overview of your credit report available here: Free credit report every year, no credit card details required - annualcreditreport.co.uk

 

Not bad, but seriously lacking in detail.

[Curlyben]

Well I applied for this a few months back and nothing unexpected happened, so I'd say it's safe.

As I mentioned it is only and overview and as such not really as detailed as the main three.

But it is FREE, mmmmmm I like free