national hunter

js78

i paid £10 for the subject access request & today recieved 12 pages of paper work.

various different lenders from halifax, barclays, abbey, mbna and the like.

doesn't really say alot apart from my details being the same and the different products i have applied for.

what does it mean when your details are passed to the secret agency?

nickmack

js78 wrote: »

what does it mean when your details are passed to the secret agency?

Not much really, many lenders use it to help fraud prevention. Only if your details throw up an alert would you probably get asked to clarify.

http://www.guardian.co.uk/money/2008/nov/15/national-hunter-credit-agency

http://www.nhunter.co.uk

Paul_Herring

What secret agency? It was written about back in Jan '07 - that's over 2 years ago. The article itself indicates it was known about earlier.

Just because it's not as well advertised as Experian/Equifax doesn't make it 'secret.'

naijapower

Very useful . many thanks

nickmack

Paul_Herring wrote: »

Just because it's not as well advertised as Experian/Equifax doesn't make it 'secret.'

Personally, I think as they're pretty much 'operated' by Experian, they should be covered by a £2 report.

They're not mentioned as a resource in rejection letters as one of the criteria for assessing an application, that an applicant should refer to for further information.

They still AFAIK have no telephone number or email address for the public to contact them on.

OK, they do a more specific job than Experian/Equifax/CallCredit but if they are used in a decision, they should be a little more transparent in providing the opportunity for applicants to get details of the information held.

sutton111

nickmack wrote: »

Personally, I think as they're pretty much 'operated' by Experian, they should be covered by a £2 report.

They're not mentioned as a resource in rejection letters as one of the criteria for assessing an application, that an applicant should refer to for further information.

They still AFAIK have no telephone number or email address for the public to contact them on.

OK, they do a more specific job than Experian/Equifax/CallCredit but if they are used in a decision, they should be a little more transparent in providing the opportunity for applicants to get details of the information held.

I whole heartily agree.

They should be covered by the £2 fee.

They do have a telephone number it's 0870 850 6561.

Paul_Herring

nickmack wrote: »

OK, they do a more specific job than Experian/Equifax/CallCredit but if they are used in a decision, they should be a little more transparent in providing the opportunity for applicants to get details of the information held.

If you're being rejected because of data held by NH, then the firm rejecting you should be telling you that, and that you need to check your data on NH (much as they do if it's a result of Experian or Equifax.)

Just because Barclaycard (or whoever) isn't telling you this, isn't the fault of NH. From the linked Guardian article above:

[Managing director of NH Tracy Wingrove] adds "Our members are required to include certain key elements within the declaration/fair processing notices section of their application forms. The wording should indicate that applicants can find out which fraud prevention agencies are used and the method by which they can find this out.

"Our members must ensure that this information is made readily available to the applicant and preferably by means of a dedicated telephone contact number. If you ask your bank, it has to tell you about our existence."

poppy10_2

It's a bit of a creepy organization - right down to the Orwellian name

PNPSUKNET

its a creepy bulding looks like a cp hole