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  #21  
Old 27-08-2008, 10:40 AM
BOUDICCA BOUDICCA is offline
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Quote:
Originally Posted by BOUDICCA View Post
Equifax claim to have a database of 300 million credit agreements!

http://www.uk.equifax.com/efx_pdf/Ma...onnections.pdf

and...they are all accurate!? "Equifax Insight"

Sounds somewhat far fetched "they are all accurate"

BOUDICCA
Well it would appear from the following quote that Experian do not hold copies of credit agreements...

[quote] by Paul Lever
Consumer Compliance Manager
Experian - Directors Office:

"...we will not be amending or deleting this entry when
it has been confirmed to be accurate by the company concerned.

Although companies are not obliged to supply us with an actual copy of the
agreement you signed, a voice recording or copies of computer records, they
will investigate our comments and notify us whether the data provided complies
with the relevant legislation and guidance".

BOUDICCA
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  #22  
Old 27-08-2008, 11:01 AM
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Hocuspocus Hocuspocus is offline
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So all these non existent agreements.....why doesn't the OC just ask Exirian for their copy? Something relay fishy going on here.

I bet CRA's become the most inventive crafters of agreements, or by storing the only copy there will be some legal restriction to us not being able to request our OC apply for it.

Ive had a loan removed due to no agreement, why didn't CRA stand up and provide it "OOo yes they probably never had it"

I do think this could work greatly in our favour, as now we can ask CRA's to supply them with a DPA
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  #23  
Old 27-08-2008, 11:49 AM
tink69 tink69 is offline
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I think a mass influx of DPAs is a good idea
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  #24  
Old 27-08-2008, 11:56 AM
BOUDICCA BOUDICCA is offline
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Well looks like we only have to make SAR't to CallCredit and Equifax, as Experian appear to state that they do not hold the actual signed credit agreements...
BOUDICCA
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  #25  
Old 27-08-2008, 12:17 PM
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Let me know when you are ready for the attack, I already have a letter from callcredit saying they hold nothing on me, but will gladly do equifax.
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  #26  
Old 27-08-2008, 06:45 PM
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Quote:
Originally Posted by BOUDICCA View Post
as Experian appear to state that they do not hold the actual signed credit agreements...
BOUDICCA

That means they can print print off or make up any agreement they want with any terms?. Its Totally unacceptable.
but it does mean that if they hold a copy of the agreement then surely they should also hold the relevant T&C for that actually agreement as under that only can they tell if some of the borrowers disputes are fair. Some Original lenders/ DCA's can't supply original T&C so Experian in my view can't pull this off as acceptable of holding an agreement.
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  #27  
Old 27-08-2008, 09:12 PM
BOUDICCA BOUDICCA is offline
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HP-

It is Ridiculous and impossible
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  #28  
Old 28-08-2008, 11:46 PM
sparkie1723 sparkie1723 is offline
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Hi BOUDICCA,

Not sure if you realised when you posted about the UCPD's what you have uncovered for use aginst the CRA's....boy oh boy are they going to be upset about this

commercial practice (includes acts, omissions, a course of conduct, representations or commercial communications by a trader promoting, selling or supplying a product to a consumer) becomes a misleading action, and therefore a ******** offence, if it:

"contains false information and is therefore untruthful […] or if it or its overall presentation in any way deceives or is likely to deceive the typical consumer […], even if the information is factually correct;



They "sell" you your credit report don't they????? and if it contains false information????


sparkie

Last edited by sparkie1723 : 29-08-2008 at 12:11 AM.
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  #29  
Old 29-08-2008, 09:06 AM
BOUDICCA BOUDICCA is offline
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Yes sparkie, I know exectly what the implications are, but please bear in mind that the new CPR's are not retrospective.

The full Regs and guidance are in the statute library.

BOUDICCA
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  #30  
Old 29-08-2008, 09:42 AM
sparkie1723 sparkie1723 is offline
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Quote:
Originally Posted by BOUDICCA View Post
Yes sparkie, I know exectly what the implications are, but please bear in mind that the new CPR's are not retrospective.

The full Regs and guidance are in the statute library.

BOUDICCA
I do not see how CPR's come into this equation

This Directive is without prejudice to individual actions
brought by those who have been harmed by an unfair
commercial practice



sparkie
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