Main site > MoneySavingExpert.com Forums > Essential Money > Debt-Free Wannabe > Bank breached data protection ? (Debt) (Page 1)

IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
Bank breached data protection ? (Debt)
Reply
Views: 615
Thread Tools Search this Thread Display Modes
# 1
Lith
Old 07-12-2012, 2:28 AM
Serious MoneySaving Fan
 
Join Date: May 2011
Posts: 781
Default Bank breached data protection ? (Debt)

Right got an issue here (not my problem) but it's a family member and seeing as im a member here might as well ask ?

The debt is for unpaid electric bill around £116 silly cousin moved house and didn't wanna pay he DOESN'T OWE anyone else any money except the electric bill
(which he thought he got away scot free)




He changed his address on the 2 banks he's with and that's it, but around a month later he got a letter from a debt collector (which is about the electric debt) £116 but now he has to pay £485? 0.o (i assume that's the debt people charge) like hell he will pay that... anyway

but he won't pay that at all (he's made it worst for him self but he really doesn't care) but my question is how in the hell did they find his address he hasn't tied his new address AT ALL with anyone except his bank's so i assume they must of talked ? how else ?

or ???


any insight on this?
cheers fella's
• H!!! (M!!! !/!) • H!!!!!x !!!! !p !/! • !!!yd! (!p!!d!!g) !/! • !!! !!!! !p !/! • !!!!!!y! !!d !/! • !!!!!!w!d! !!d !/!
Lith is offline
Reply With Quote Report Post
# 2
rising from the ashes
Old 07-12-2012, 6:47 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Oct 2010
Location: In my wee bit of Bonnie Scotland
Posts: 11,650
Default

He must've changed it somewhere - electoral roll?

Has he applied for his credit report?

Anything like that could trigger it
!!!!!!!g !g!!! - !!!! !! !h! !!!g!! M!! j!!!!!y G!!!!!!!! &!mp; !!!!!!!!!!: !!!!!! £2080 !!P !!!!m !!!!!!!!
rising from the ashes is offline
Reply With Quote Report Post
The Following 2 Users Say Thank You to rising from the ashes For This Useful Post: Show me >>
# 3
fermi
Old 07-12-2012, 7:39 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Apr 2007
Location: Planet Express
Posts: 33,577
Default

Quote:
Originally Posted by Lith View Post
He changed his address on the 2 banks he's with and that's it
Well, as bank accounts now have data reported to the CRAs, the new address would have been reported to that and so linked as his new address on his credit files.

A creditor then doing a check/trace via them or on GAIN would discover the new address.
I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards, Loans, and Benefits boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com | > New to Forum? Click for Guide <

Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
fermi is offline
Reply With Quote Report Post
The Following 2 Users Say Thank You to fermi For This Useful Post: Show me >>
# 4
Lith
Old 07-12-2012, 7:57 AM
Serious MoneySaving Fan
 
Join Date: May 2011
Posts: 781
Default

Quote:
Originally Posted by rising from the ashes View Post
He must've changed it somewhere - electoral roll?

Has he applied for his credit report?

Anything like that could trigger it
Nothing, he's like a 'ghost' - well i thought he was.

Quote:
Originally Posted by fermi View Post
Well, as bank accounts now have data reported to the CRAs, the new address would have been reported to that and so linked as his new address on his credit files.

A creditor then doing a check/trace via them or on GAIN would discover the new address.
Really? since when ? is that legal or ? bank's shouldn't have any right of way i think ? or im living in the old times, but a creditor doing a check/trace on someone is that even legal they have access to his files/info ? also what you be by 'GAIN' ?

he doesn't even have credit cards or overdrafts or loans 'NOTHING'

plus i phoned up that debt place and said 'he doesn't live here' maybe that will throw them off a bit ? i dunno,

He's also worried that his accounts will be closed or something (i told him rubbish) the debt is with the electric company 'nothing to do with the banks'
• H!!! (M!!! !/!) • H!!!!!x !!!! !p !/! • !!!yd! (!p!!d!!g) !/! • !!! !!!! !p !/! • !!!!!!y! !!d !/! • !!!!!!w!d! !!d !/!

Last edited by Lith; 07-12-2012 at 8:02 AM.
Lith is offline
Reply With Quote Report Post
# 5
fermi
Old 07-12-2012, 8:10 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Apr 2007
Location: Planet Express
Posts: 33,577
Default

Yes it is legal. Most banks have recorded bank accounts on your credit file for some years now.
I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards, Loans, and Benefits boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com | > New to Forum? Click for Guide <

Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
fermi is offline
Reply With Quote Report Post
The Following 2 Users Say Thank You to fermi For This Useful Post: Show me >>
# 6
fermi
Old 07-12-2012, 8:19 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Apr 2007
Location: Planet Express
Posts: 33,577
Default

GAIN: http://experian.metafaq.com/help/Sta...rt/whatis_GAIN
I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards, Loans, and Benefits boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com | > New to Forum? Click for Guide <

Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
fermi is offline
Reply With Quote Report Post
The Following User Says Thank You to fermi For This Useful Post: Show me >>
# 7
fermi
Old 07-12-2012, 8:26 AM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Apr 2007
Location: Planet Express
Posts: 33,577
Default

Can debt collection company legally access my credit report?

Most power companies now have such terms on their accounts.
I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards, Loans, and Benefits boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com | > New to Forum? Click for Guide <

Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
fermi is offline
Reply With Quote Report Post
The Following 2 Users Say Thank You to fermi For This Useful Post: Show me >>
# 8
Better_Off_1983
Old 07-12-2012, 8:32 AM
MoneySaving Stalwart
 
Join Date: Jul 2010
Posts: 380
Default

I doubt the bank breached data protection, more like the debt collectors/supplier traced him via his credit file.

If your cousin had no bank account, financial footprints and 'lived off the grid' maybe he would not have been found.

This happened to me, I left my ex 3 years ago and the electric meter was in my name. My ex has since left the premises and there was a standing charge (or something) on the meter..... so the electric company wrote to me at my current address. The bill was only £40.00 but because I work in collections myself, I knew that the likelihood of them finding me was through a trace.

What is your cousin going to do now?
DEBTFREE AND PROUD!!
Better_Off_1983 is offline
Reply With Quote Report Post
The Following User Says Thank You to Better_Off_1983 For This Useful Post: Show me >>
# 9
Better_Off_1983
Old 07-12-2012, 8:37 AM
MoneySaving Stalwart
 
Join Date: Jul 2010
Posts: 380
Default

I have looked on my credit file and even bank accounts that are dormant and with no overdraft are still on the credit file.
DEBTFREE AND PROUD!!
Better_Off_1983 is offline
Reply With Quote Report Post
# 10
Lith
Old 07-12-2012, 8:56 AM
Serious MoneySaving Fan
 
Join Date: May 2011
Posts: 781
Default

@fermi

Thank's for links

@Better_Off_1983

What's he gonna do? absolutely nothing plus i phoned them up and said never heard of this guy don't know him you got the wrong address blah blah, maybe that will 'flank them' for a while? not my problem but he won't pay that £500 and all they have is a name that is all no phone number no contacts details nothing just a name and his address (which i said i lived at via the phone) and that's all i've done to help no more.
• H!!! (M!!! !/!) • H!!!!!x !!!! !p !/! • !!!yd! (!p!!d!!g) !/! • !!! !!!! !p !/! • !!!!!!y! !!d !/! • !!!!!!w!d! !!d !/!
Lith is offline
Reply With Quote Report Post
# 11
DS4215
Old 07-12-2012, 9:40 AM
Serious MoneySaving Fan
 
Join Date: Mar 2010
Posts: 1,034
Default

Quote:
Originally Posted by Lith View Post
What's he gonna do? absolutely nothing plus i phoned them up and said never heard of this guy don't know him you got the wrong address blah blah, maybe that will 'flank them' for a while? not my problem but he won't pay that £500 and all they have is a name that is all no phone number no contacts details nothing just a name and his address (which i said i lived at via the phone) and that's all i've done to help no more.
They have his name, they have his address. That's all you need to serve court papers and get bailiffs involved.
DS4215 is offline
Reply With Quote Report Post
The Following User Says Thank You to DS4215 For This Useful Post: Show me >>
# 12
Janie4Now
Old 07-12-2012, 9:49 AM
MoneySaving Stalwart
 
Join Date: Nov 2011
Posts: 313
Default

OP - I'd be so careful. Is it possible you could eventually get done for some sort of collusion to defraud if they do ever catch up with him? I'm not a legal bod, so this is just a thought, but I would NOT be protecting him from the consequences of his actions.
....Practically Perfect in Every Way......
Janie4Now is offline
Reply With Quote Report Post
# 13
Lith
Old 09-12-2012, 12:34 AM
Serious MoneySaving Fan
 
Join Date: May 2011
Posts: 781
Default

Quote:
Originally Posted by DS4215 View Post
They have his name, they have his address. That's all you need to serve court papers and get bailiffs involved.
True, but 'if its' that person right? they haven't proven anything, they have a 'name' not a full name' should of mentioned that before and an address which 'i live at' wait n see how long they keep back (has nothing to do with me) but it's his own damn fault £500? for a £150 debt? jesus... bailiffs think we're born yesterday.


Quote:
Originally Posted by Janie4Now View Post
OP - I'd be so careful. Is it possible you could eventually get done for some sort of collusion to defraud if they do ever catch up with him? I'm not a legal bod, so this is just a thought, but I would NOT be protecting him from the consequences of his actions.

True, but i phoned them up and said you got the wrong address blah blah, the woman who kindly said 'thank you for letting us know i'll remove this address from the correspondence ?? 0.o
• H!!! (M!!! !/!) • H!!!!!x !!!! !p !/! • !!!yd! (!p!!d!!g) !/! • !!! !!!! !p !/! • !!!!!!y! !!d !/! • !!!!!!w!d! !!d !/!
Lith is offline
Reply With Quote Report Post
Reply

Bookmarks
 
 




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - MoneySavingExpert.com - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

All times are GMT +1. The time now is 5:33 AM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 15 October 2014

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

profile

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

TuneChecker Top Albums

  • ED SHEERANX (DELUXE EDITION)
  • ELLA HENDERSONCHAPTER ONE (DELUXE VERSION)
  • VARIOUS ARTISTSKEEP CALM & CHILLOUT

MSE's Twitter Feed

profile
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks and other affiliated links in some of our boards, for some of our users.