Credit Rating: How it works and How to improve it discussion area

izools

It mightn't be a CCJ. It might be CIFAS data as N-I-D suggests, which doesn't always appear on your credit report.

The Data Protection Act 1998 sets out the maximum a company can charge for disclosing the data they hold on you. If the Act didn't set a limit no doubt a lot of organizations would charge well over £10 for personal information disclosure!

It all depends on how far you want to go to find out why you were turned down. I would recommend calling the bank first for clarification on the reason for turning you down to ensure you aren't chasing a red herring

izools

never-in-doubt wrote: »

Your credit report only shows limited data regards to fraud, this is dealt with by CIFAS so you pay £2 to see credit file and £10 to SAR cifas - also you have N Hunter, another fraud agency that may have adverse data registered against you....

Regards to iZools post, the banks (as can I) confirm a CCJ - it is not breaching DPA and banks do confirm this, for instance HSBC 100% do as do RBS group if they can see one registered against you.

They can say 'a ccj is registered' but they cannot say 'barclays registered a ccj' - that's the difference between breaching and complying with DPA

Ah OK, fair do's. I knew it wasn't a breach of DPA but I didn't think that the personal bankers computers were that specific. My bad

never-in-doubt

izools wrote: »

Ah OK, fair do's. I knew it wasn't a breach of DPA but I didn't think that the personal bankers computers were that specific. My bad

Their systems run what is known as a lifecycle check which checks you out, so to speak. As part of this they pick up any adverse then account info and if adverse appears the advisor would be able to see limited details, such as cifas entry or N Hunter warning or public data such as CCJ's.....

Its weird but remember they all feed from the same pocket so it doesn't surprise me if things get done that really shouldn't; like insider dealing of names and data! Who knows? :rotfl:

You may well have a cifas entry - even a ccj - not all data that is owned by a third party is accurate on the CRA's systems, some is wrong and some is missing in its entirety. However some things are hidden from and do not show on your credit report BUT the bank CAN tell you if there is public data present or a cifas - sorry if this conflicts with others views - but it's right, 100% so!

Everyone can see public data (such as a ccj) and therefore the banks can tell you if one is present, if they did then chances are there is one - check http://www.trustonline.org.uk/ to see if you have a CCJ!

You should also SAR CIFAS to find out for sure and rule it (having a cifas) out, one way or another. I suspect they may have meant yo had a cifas and not ccj? Could be wrong but banks do make mistakes.... (lol, the irony)!!

Cifas details here: http://www.cifas.org.uk/default.asp?edit_id=692-59

stevekranz

izools wrote: »

How did you convince Royal Mail to list one letter box as two different entries on the database? I can't get past that brick wall... I'm tempted to get a jigsaw and put another letterbox in the front door just so I can say "Fine. There's your f***ing separate letterbox! Now sort it out :mad:"

As I said I started with the council.

They and the landlord said I could name my place the apartment, and the coucil were happy with this..

all bills came to the address "3b" this was for two seperate properties with two seperate meters for gas and electric & water.

Council tax "3b"

everything "3b" the only differential was names. and obviously there have been lots of previous tenants too which were still getting the old bills etc sent.

So told power suppliers, they said they could not sent to an unlisted address.

went to council they said we could differentiate with adding flat a & b

This was not going to work. and why should it be like this I don't want to make up an address I want an official address address.

and it went form there. had to go through council tax dept, ER dept, they then contacted royal mail, they then contacted emergency services and planning. and after 3 months created an address once all other depts agreed.

I think the main problem is emergency services.

but there is only one gate which is big security gate with a letter box with back metal box.

It did take a few months though then one day when ordering online the option of my address came up.

was a pain but council are the ones to get it in motion

hope this helps

Steve

never-in-doubt

Exactly - as I previously explained here: #1133

Any amendments to addresses get done by the Local Authority and that is the first post-of-call. Nobody else can change your address - it is all done via the council/planning/electoral services etc....

izools

But the council have me listed at Flat x, xx Roadie Road. Royal mail don't, and won't, despite what the council have on file!

never-in-doubt

izools wrote: »

But the council have me listed at Flat x, xx Roadie Road. Royal mail don't, and won't, despite what the council have on file!

Then you need to get the council to update royal mail..... its easy to sort, you get A (council) talking directly to B (royal mail) - I posted the PAF query link on previous page - use this and complain that way, they will then contact electoral services and planning.

harryhound

never-in-doubt wrote: »

Exactly - as I previously explained here: #1133

Any amendments to addresses get done by the Local Authority and that is the first post-of-call. Nobody else can change your address - it is all done via the council/planning/electoral services etc....

I don't think this is true.
The Post Office unilaterally changed my address - twice; as they wanted to make me the last address for the postman driving West inplace of the last for the postman driving East; at the same time rationalising sorting offices.
They had to have two goes at it because the hew postal office could not find me and my mail kept on being "returned to sender".

The local authority council tax department only required one return to sender to get the message BUT it took about 5 years for the rest of the authority to get the message (the staff still have not). The voters register was "wrong" and at one stage they dreamed up a new address and published a new local map of the borough. It was showing me at a new address in a road that was ploughed out during the dig for victory campaign. Very handy for the emergency services.

Just for the record the Police force cannot realign its boundaries to match the sorting office so I am theoretically covered by a police force that has been nowhere near me for 20 years ( as I discovered when I had an attempted break-in).

never-in-doubt

The LA register addresses with the land registry and ordinance etc..... as such they are the only ones that ultimately have authority to request that the PO update their records.... otherwise we'd all be changing addresses, the PO are a company - not the government remember and there is no chance they would allow a third party company such control over something so important....

I only know so much about this cos the wife used to manage a similar dept in her council.... but I doubt they differ region-to-region, I suspect that the PO chased your electorate up behind the scenes and when authorised to make changes to PAF, they then notified you.

The PO simply cannot amend addresses - it is done by local government.

harryhound

Let us agree that there is a legal address that traditionally reads:
Green acres farm in the manor of Candleford in the Parish of Larkrise administered by the District Council of Stilton in the County of Northamptonshire.
But it can have a postal address of Greenacres Farm, Forest Chase, Ring Road South in the metropolitan borough of Bignewtown post code BN99 5XX. In fact it has to because it is no longer possible to get to Greenacres from Larkrise parish without going round a bit of the ring road in Bignewtown. As for the hamlet of Candleford that is now a different turning onto the ring road, Forest chase South having been stopped up by the road builders
It is the post office that dreams up the postal address and if Stilton wants to continue to collect their council tax they had better get used to mailing their demands via Bignewtowns sorting office.
However that does not stop the jobsworths at Stilton (a purely imaginary place of course)
arguing the toss with the owner of Greenacres and insisting on putting the phone down.

Of course the solution to the problem would be to change the boundaries of Bignewtown BUT that is not a good idea because the owner of Greenacres does not want to pay the eye wateringly high council tax rates in Bignewtown nor does he feel the need for its welfare benefits office, the mortgage on its fancy theatre, now closed because some of the audience cannot see the stage. etc. etc.
He is already pretty p1ssed off because a Bignetown post code tends to mean higher car and house insurance premiums.