Experian releasing personal information

NickX

never-in-doubt wrote: »

I am suggesting deception, too right! 3yrs down the line, why raise it now?

Not that I am one to side with the corporation, but I would just point out that deception (and fraud) are prosecutable offences.

I know of someone serving time at present for deception in obtaining mortgage advances. I would think long and hard before deliberating taking actions that you know are tantamount to deception.

never-in-doubt

NickX wrote: »

Not that I am one to side with the corporation, but I would just point out that deception (and fraud) are prosecutable offences.

I know of someone serving time at present for deception in obtaining mortgage advances. I would think long and hard before deliberating taking actions that you know are tantamount to deception.

Sorry it wasn't meant in that context... explained it in last post..... also simply moving away and returning a letter that you don;t want to open cos you know it won't be for you wouldn;t be deception..... it is easy to play with words in order to twist the actual scenario...... :eek:

NickX

never-in-doubt wrote: »

Sorry it wasn't meant in that context... explained it in last post..... also simply moving away and returning a letter that you don;t want to open cos you know it won't be for you wouldn;t be deception..... it is easy to play with words in order to twist the actual scenario...... :eek:

Yep I agree that your not going to jail for simply sending the letter back and if I'm honest I'd be tempted to do the same thing.

I just wanted to be clear that condoning deception or fraud could be something of a slippery slope if you know what I mean.

never-in-doubt

NickX wrote: »

Yep I agree that your not going to jail for simply sending the letter back and if I'm honest I'd be tempted to do the same thing.

I just wanted to be clear that condoning deception or fraud could be something of a slippery slope if you know what I mean.

Oh yes, I wouldn't like apply for a mortgage knowingly lying cos that is deception and bad news if you get caught! But small time lying is a different kettle of fish.... I get letters from a company in Bristol every week trying to sell me security stuff and I just return as unknown cos I know I never wrote to them so why would I open a letter from them when I never asked to converse with them? lol

Thats how you get away with it......

You know what I mean though, owning up now would be plain bonkers as it'd start again from now...... i.e. 6yrs from now :eek: :eek: :eek:

aligerdie

Not getting in touch with the creditor is an option, and from experience I know that Lloyds TSB are very difficult to deal with, regardless of of your situation.

However, I just wanted to say that if you do decide to start repaying this debt, out of all my creditors, Wescot have been the easiest to deal with.

I have had no problems setting payment plans up with them, for only small amounts too, so if you decide a repayment plan then they will be far more accomodating than Lloyds.

never-in-doubt

Ermmm, i'm actually doing an end to end process and will follow it through to the end as I have done several times already and many can vouch on here. See one here! http://forums.moneysavingexpert.com/showpost.html?p=22085395&postcount=355