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just a thought but can you ask a credit reference agency to take all data held on you off there records,if so in theory that would wipe your slate clean, any one got any thoughts on this
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at the start of this journey i owed
£52000.00 UNSECURED £5000.00 SECURED
£0000.00 secured debt as of 17/12/2010 fingers crossed
on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
as of 17/03/13 its now £26K AND £15K UE
ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFE -
Re: credit referance agencys and data protection
No you cannot ask such! This is what is known as a s.10 (DPA1998) - s.10 is simply "Cease & Desist" (from processing your data).Originally posted by wishfullthinking
Unfortunately though as you gave your authority to the lender to share data, and being the lender is the data controller - it is up to them if they do it or not, and cos you signed the waiver (by signing the app form) then the data will remain. Even if they say no agreement can be found, the data remains cos it is easy to prove that they (the lender) requested authority - they all do/have done so for many years.
The CRA's are simply a data processor - i.e. they process data supplied to them from the controller (i.e. the lender) so all queries must be agreed with the controller. Make sense?
basically, this is a non starter - forget it ;EEK ;EEKI'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!
If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk -
Re: credit referance agencys and data protection
Nope.Originally posted by wishfullthinking
As Niddy says
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Re: credit referance agencys and data protection
oh well worth a tryat the start of this journey i owed
£52000.00 UNSECURED £5000.00 SECURED
£0000.00 secured debt as of 17/12/2010 fingers crossed
on 14/07/2012 i now have £32.000 unsecured and £15.000 unenforceable [thanks to niddy and aad ]
as of 17/03/13 its now £26K AND £15K UE
ITS COMING DOWN SLOWLY WHILE STILL ENJOYING MY LIFEComment
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Re: credit referance agencys and data protection
I do like your thinking Wishfullthinking but as Nid says it is only that....Wishfull Thinking.Started with a debt of £18,323.68 in May 2005. Everything now paid off but trying to sort out credit file now which is shot to bits. Now begins the journey.Comment
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