Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    Lith
    Bank breached data protection ? (Debt)
    • #1
    • 7th Dec 12, 2:28 AM
    Bank breached data protection ? (Debt) 7th Dec 12 at 2:28 AM
    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
    HSBC (Main A/C)
    Halifax Back up A/C
    Lloyds (Spending) A/C
    RBS Back up A/C
    Barclays Old A/C
    Nationwide Old A/C
Page 1
    • rising from the ashes
    • By rising from the ashes 7th Dec 12, 6:47 AM
    • 12,236 Posts
    • 59,061 Thanks
    rising from the ashes
    • #2
    • 7th Dec 12, 6:47 AM
    • #2
    • 7th Dec 12, 6:47 AM
    He must've changed it somewhere - electoral roll?

    Has he applied for his credit report?

    Anything like that could trigger it
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
    • fermi
    • By fermi 7th Dec 12, 7:39 AM
    • 36,894 Posts
    • 44,417 Thanks
    fermi
    • #3
    • 7th Dec 12, 7:39 AM
    • #3
    • 7th Dec 12, 7:39 AM
    He changed his address on the 2 banks he's with and that's it
    Originally posted by Lith
    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 and Loans 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
  • Lith
    • #4
    • 7th Dec 12, 7:57 AM
    • #4
    • 7th Dec 12, 7:57 AM
    He must've changed it somewhere - electoral roll?

    Has he applied for his credit report?

    Anything like that could trigger it
    Originally posted by rising from the ashes
    Nothing, he's like a 'ghost' - well i thought he was.

    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.
    Originally posted by fermi
    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'
    Last edited by Lith; 07-12-2012 at 8:02 AM.
    HSBC (Main A/C)
    Halifax Back up A/C
    Lloyds (Spending) A/C
    RBS Back up A/C
    Barclays Old A/C
    Nationwide Old A/C
    • fermi
    • By fermi 7th Dec 12, 8:10 AM
    • 36,894 Posts
    • 44,417 Thanks
    fermi
    • #5
    • 7th Dec 12, 8:10 AM
    • #5
    • 7th Dec 12, 8:10 AM
    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 and Loans 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
    • By fermi 7th Dec 12, 8:19 AM
    • 36,894 Posts
    • 44,417 Thanks
    fermi
    • #6
    • 7th Dec 12, 8:19 AM
    • #6
    • 7th Dec 12, 8:19 AM
    GAIN: http://experian.metafaq.com/help/Statutory/Credit_report/whatis_GAIN
    I'm a Board Guide on the Debt-Free Wannabe, Bankruptcy, Credit Cards and Loans 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
    • By fermi 7th Dec 12, 8:26 AM
    • 36,894 Posts
    • 44,417 Thanks
    fermi
    • #7
    • 7th Dec 12, 8:26 AM
    • #7
    • 7th Dec 12, 8:26 AM
    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 and Loans 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
    • Better_Off_1983
    • By Better_Off_1983 7th Dec 12, 8:32 AM
    • 380 Posts
    • 493 Thanks
    Better_Off_1983
    • #8
    • 7th Dec 12, 8:32 AM
    • #8
    • 7th Dec 12, 8:32 AM
    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
    • By Better_Off_1983 7th Dec 12, 8:37 AM
    • 380 Posts
    • 493 Thanks
    Better_Off_1983
    • #9
    • 7th Dec 12, 8:37 AM
    • #9
    • 7th Dec 12, 8:37 AM
    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!!
  • Lith
    @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.
    HSBC (Main A/C)
    Halifax Back up A/C
    Lloyds (Spending) A/C
    RBS Back up A/C
    Barclays Old A/C
    Nationwide Old A/C
  • DS4215
    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.
    Originally posted by Lith
    They have his name, they have his address. That's all you need to serve court papers and get bailiffs involved.
  • Janie4Now
    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......
  • Lith
    They have his name, they have his address. That's all you need to serve court papers and get bailiffs involved.
    Originally posted by DS4215
    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.


    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.
    Originally posted by Janie4Now

    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
    HSBC (Main A/C)
    Halifax Back up A/C
    Lloyds (Spending) A/C
    RBS Back up A/C
    Barclays Old A/C
    Nationwide Old A/C
Welcome to our new Forum!

Our aim's to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

830Posts Today

5,283Users online

Martin's Twitter
  • Thanks to @CBBC_Hacker for sending us our own Hacker, baby MSE is smitten. Altight cocker. http://t.co/mdVVz56YHD

  • RT @MoneySavingExp: Hi folks - the site will be down from 10pm tonight until 8am tomorrow while we re-charge the batteries with some behind?

  • Uk dominating world long jump.Who'd have thought it. Kathy Cook's British 200m record about to go I think. #Beijing2015

  • Follow Martin