Search Reason = Outstanding Debt

[Never-In-Doubt]

Re: Search Reason = Outstanding Debt

Do I presume that Wescot and Cabot or any DCA can search as 'agent' for the creditor to whom I did give permission in the first place?

You'll have signed an authority when you took the credit product - this encompasses any agency that the original creditor may use so yea, anyone they sell the debt to or ask to chase the debt can and will search you - the CRA's never remove debt traces unless those that done the search agree to it, ie wrong person for example.

[Never-In-Doubt]

Re: Search Reason = Outstanding Debt

Anyway I would only have given permission when I ticked the relevant box on my application form for credit at the outset. But if the creditor hasn't got my application form or credit agreement after I've CCA'd them then who says I gave them my permission in the first place ?

Yep, agree with this but after McGuffick - well, forget it. If you admit to having used the card/product then they'll report data - agreement or not. ICO have no pwoers to do anything, assuming you deny the sharing of info element - so it's a wasted fight to be honest.....