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  #1  
Old 01-01-2009, 11:59 PM
sparkie1723 sparkie1723 is offline
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Default CRA's and section 140 CCA 2006

I wonder if the CRA's are aware of this....because I do not see a credit licence Number showing on Experians Official letter heads.

sparkie


Section 25: Credit information services

55. Section 25 amends section 145 of the 1974 Act to include provision of 'credit information services' as a type of ancillary credit business. 'Credit information services' covers those businesses that help individuals to locate and correct records relating to their financial standing held by credit reference agencies and others in the credit and hire industries. As a consequence, people providing credit information services as part of their business will need to be licensed.

This also could come in usefull when an agreement is assigned or bought by a DCA
Section 26: Enforcement of agreements by unlicensed trader etc

56. Section 26 amends sections 40(1) and (2) of the 1974 Act to provide that aregulated consumer credit or hire agreement is unenforceable by a person acting in the course of a consumer credit or hire business who is not licensed to carry on a consumer credit or a consumer hire business of a description which covers the enforcement of the agreement.ections 40(1) and (2) of the 1974 Act to provide that a In addition, as under the current section 40, the new section 40(1A) provides that a regulated agreement is unenforceable if the creditor or owner who made the agreement did so in the course of a consumer credit or a consumer hire business but was not licensed at that time to make the agreement. Where a person has made an agreement without being licensed, that person may apply to OFT for an order to treat him as if he had been licensed to make the agreement.


PS
By the way Estate agents are also drawn into section 140 could be useful to keep in mind for future reference

Last edited by sparkie1723 : 02-01-2009 at 12:13 AM.
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  #2  
Old 02-01-2009, 12:09 AM
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I think sec 25 is primarily aimed at companies that offer assistance in rectifying problems with CRA's as opposed to the CRA themselves.
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Old 02-01-2009, 10:07 AM
sparkie1723 sparkie1723 is offline
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Quote:
Originally Posted by Tamadus View Post
I think sec 25 is primarily aimed at companies that offer assistance in rectifying problems with CRA's as opposed to the CRA themselves.

Hi Tam,
It is not who/what it is aimed at I am arguing its

What it says....and that is...people providing credit information services as part of their business will need to be licensed..

No one supplies more credfit information than a CRA plus they have on their web site a window where you can apply for loans etc.

Experian's Credit refererence agency activities are only part of their services they have stated and admitted that is so.
They cannot operate without a license from the OFT now IMO.

sparkie

Last edited by sparkie1723 : 02-01-2009 at 10:10 AM.
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  #4  
Old 02-01-2009, 04:02 PM
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Quote:
Originally Posted by sparkie1723 View Post
I wonder if the CRA's are aware of this....because I do not see a credit licence Number showing on Experians Official letter heads.

sparkie
Experian


Application / Licence Details
Licence Number:0009743 Licence Status:Current
Current Applicant / Licensee:
Business Name Company Registration Number
Experian Limited 653331

Categories:
Consumer credit
Consumer hire
Credit brokerage
Credit reference agency
Debt adjusting/counselling
Debt collecting

Right To Canvass Off Trade Premises:No
Trading Name(s) (Historic):
Guardian Business Information
CCN Credit Systems
CCN Marketing
CCN Business Information
CCN Business Solutions
CCN Decision Systems

Issued Date: 06-Dec-1976 Expiry Date: 02-Feb-2012
Legal Formation:
Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:
Name Position
Andrew Vaughan Unitt OFFICER
David Paul Coupe OFFICER
John Norman Saunders OFFICER
Melanie Anne Clarke OFFICER
Melville Edgar Mason OFFICER
Mr Richard George Watkins OFFICER
Nigel Fine OFFICER
Peter Williamm Loe OFFICER
Richard William Fiddis OFFICER
Roger Michael Aubrook OFFICER

Historic Individuals that run the organisation:
Name Position
David Gordon Bury OFFICER
Eric Malcolm Barnes OFFICER
George Alan Young OFFICER
Ian McGregor OFFICER
Ian McKenzie Stewart OFFICER
Jane Lesley Barber OFFICER
John Wilfred Peace OFFICER
Julie Viviene Dawes OFFICER
Mr Alan James Wilson OFFICER
Mr David Stonehouse OFFICER
Mr David Charles Jones OFFICER
Mr David Raiffe Coates OFFICER
Mr David Stephen Bird OFFICER
Mr James Aubrey Morris OFFICER
Mr John Dennis Erskine OFFICER
Mr John Farrar OFFICER
Mr John Yancey Coffman III OFFICER
Mr Leslie Foster OFFICER
Mr Sydney Frank Robin OFFICER
Mr Thomas Peel Bentley OFFICER
Paul Timothy Coleman Brooks OFFICER
Richard James Webber OFFICER
William Herbert John Hislop OFFICER

Current Address(es):
Address Type Address
Principal Place Of Business Talbot House, Talbot Street, Nottingham, NG80 1TH
Registered Office Talbot House, Talbot Street, Nottingham, NG80 1TH

Historic Address(es):
Address Type Address
Correspondence Talbot House, Talbot Street, Nottingham, NG80 1TH
Principal Place Of Business Talbot House, Talbot St, Nottingham, NG1 5HF
Principal Place Of Business Talbot House, Talbot Street, Nottingham, NG80 1TH
Principal Place Of Business Wollaton House, Wollaton St, Nottingham, NG1 5
Registered Office Talbot House, Talbot Street, Nottingham, NG80 1TH
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  #5  
Old 02-01-2009, 04:05 PM
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Equifax

Licence Number:0333689 Licence Status:Current
Current Applicant / Licensee:
Business Name Company Registration Number
Equifax Plc 2425920

Categories:
Credit brokerage
Credit reference agency
Debt collecting

Right To Canvass Off Trade Premises:No
Trading Name(s) (Current):
Equifax

Trading Name(s) (Historic):
Equifax - Transax
Equifax Europe Limited
Equifax - HPI
Equifax - HPI - Transax
HPI
Transax

Issued Date: 07-Mar-1992 Expiry Date: 21-Jun-2012
Legal Formation:
Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:
Name Position
Antony Pullen
Pauline Jones
Rodolfo Ploder
Sandra Lawrence
Sharon McGladdery OFFICER

Historic Individuals that run the organisation:
Name Position
Andrew Fleming OFFICER
Charles George Metcalfe OFFICER
Donald Hallman OFFICER
Eileen Ann Basgallop OFFICER
Jean Claude Chartrand OFFICER
Kevin Coyne OFFICER
Michael Shannon OFFICER
Mr Clarence Birkenshaw Rogers OFFICER
Mr Daniel William McGlaughlin OFFICER
Mr Derek Van Smith OFFICER
Mr Joseph Ernest Dawson OFFICER
Mr Travis Edward Halford OFFICER
Pauline Marie Jones OFFICER
Richard Anthony McCrohan OFFICER
Robert Andrew Allan OFFICER

Historic Organisations that run the organisation:
Name Company Registration Number Position
Trusec Limited OFFICER

Nature of Business:
Credit Reference Agencies
Other

Current Address(es):
Address Type Address
Correspondence Capital House, 25, Chapel Street, LONDON, NW1 5DS, United Kingdom
Principal Place Of Business Capital House, 25, Chapel Street, LONDON, NW1 5DS, United Kingdom
Registered Office Capital House, 25, Chapel Street, LONDON, NW1 5DS, United Kingdom

Historic Address(es):
Address Type Address
Correspondence 1-6, Clay Street, London, W1H 3FS
Correspondence Equifax Data Management, Erskine House, 1 North Avenue, Clydesbank Business Park, ., Glasgow, G81 2DR
Correspondence Sentinel House,16, Harcourt Street, London, W1H 2AE
Principal Place Of Business 1-6, Clay Street, London, W1H 3FS
Principal Place Of Business Capital House 25, Chapel Street, London, NW1 5DS
Principal Place Of Business Sentinel House,16, Harcourt Street, London, W1H 2AE
Registered Office 1-6, Clay Street, London, W1H 3FS
Registered Office 76, Bishopsgate, London, EC2N 4AU
Registered Office Capital House 25, Chapel Street, London, NW1 5DS
Registered Office Sentinel House,16, Harcourt Street, London, W1H 2AE
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Yea, though I walk through the valley of the shadow of death, I will fear no evil: for thou art with me; thy rod and thy staff they comfort me.
Psalm 23:4


SgtChubbs (a.k.a chubbs)
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  #6  
Old 02-01-2009, 04:06 PM
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Callcredit

Licence Number:0501133 Licence Status:Current
Current Applicant / Licensee:
Business Name Company Registration Number
Callcredit Limited 3961870

Categories:
Consumer credit
Consumer hire
Credit brokerage
Credit reference agency
Debt adjusting/counselling
Debt collecting

Right To Canvass Off Trade Premises:No
Issued Date: 26-Apr-2001 Expiry Date: 28-Apr-2011
Legal Formation:
Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:
Name Position
Gillian Mary Davidson OFFICER
Michael John Green OFFICER
Mr John Graham Goodfellow OFFICER

Historic Individuals that run the organisation:
Name Position
John McAndrew OFFICER
John William Dawson OFFICER
Lee Wood OFFICER
Mark Richard Bowler OFFICER
Mr David Raiffe Coates OFFICER
Mr William Shadburn Marshall OFFICER

Nature of Business:
Other

Current Address(es):
Address Type Address
Principal Place Of Business One, Park Lane, Leeds, West Yorkshire, LS3 1EP
Registered Office The Bailey, SKIPTON, North Yorkshire, BD23 1DN, United Kingdom

Historic Address(es):
Address Type Address
Principal Place Of Business 1, Park Lane, Leeds, West Yorkshire, LS3 1EP
Principal Place Of Business One, Park Lane, Leeds, West Yorkshire, LS3 1EP
Principal Place Of Business Park Row House 5th Floor 19-20, Park Row, Leeds, West Yorkshire, LS1 5JF
Registered Office 1, Providence Place, Skipton, North Yorkshire, BD23 2HL
Registered Office The Bailey, ., Skipton, North Yorkshire, BD23 1DN
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Yea, though I walk through the valley of the shadow of death, I will fear no evil: for thou art with me; thy rod and thy staff they comfort me.
Psalm 23:4


SgtChubbs (a.k.a chubbs)
Posts are based on my own personal experience. No offence is intended and should not be taken
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  #7  
Old 02-01-2009, 04:11 PM
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Quote:
Originally Posted by sparkie1723 View Post
They cannot operate without a license from the OFT now IMO.
sparkie
Experian - Licence Number:0009743
Issued Date: 06-Dec-1976 Expiry Date: 02-Feb-2012

Equifax - Licence Number:0333689
Issued Date: 07-Mar-1992 Expiry Date: 21-Jun-2012

Callcredit - Licence Number:0501133
Issued Date: 26-Apr-2001 Expiry Date: 28-Apr-2011

All three have consumer credit licenses.. Experian was last issued with a license in 1976
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Yea, though I walk through the valley of the shadow of death, I will fear no evil: for thou art with me; thy rod and thy staff they comfort me.
Psalm 23:4


SgtChubbs (a.k.a chubbs)
Posts are based on my own personal experience. No offence is intended and should not be taken

Last edited by SgtChubbs : 02-01-2009 at 08:30 PM.
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  #8  
Old 02-01-2009, 04:14 PM
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This is the link to the OFT Public Register

http://www2.crw.gov.uk/pr/default.aspx


Just in case anyone wants to check DCA's etc.....

And a link to the FSA register

http://www.fsa.gov.uk/register/firmSearchForm.do
__________________
Yea, though I walk through the valley of the shadow of death, I will fear no evil: for thou art with me; thy rod and thy staff they comfort me.
Psalm 23:4


SgtChubbs (a.k.a chubbs)
Posts are based on my own personal experience. No offence is intended and should not be taken
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  #9  
Old 02-01-2009, 05:47 PM
sparkie1723 sparkie1723 is offline
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Quote:
Originally Posted by SgtChubbs View Post
This is the link to the OFT Public Register

http://www2.crw.gov.uk/pr/default.aspx


Just in case anyone wants to check DCA's etc.....

And a link to the FSA register

http://www.fsa.gov.uk/register/firmSearchForm.do
NIce work SgtChubbs, but I have a question maybe you can search out .....Don't they have to state the licence no on their official headed paper just like their company reg no???? and other licence holders do??

sparkie
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Old 02-01-2009, 06:39 PM
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Quote:
Originally Posted by sparkie1723 View Post
NIce work SgtChubbs, but I have a question maybe you can search out .....Don't they have to state the licence no on their official headed paper just like their company reg no???? and other licence holders do??

sparkie
This is what the oft have to say about the cc licence

http://www.oft.gov.uk/advice_and_res...redit-licence/
__________________
Yea, though I walk through the valley of the shadow of death, I will fear no evil: for thou art with me; thy rod and thy staff they comfort me.
Psalm 23:4


SgtChubbs (a.k.a chubbs)
Posts are based on my own personal experience. No offence is intended and should not be taken
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