Some happy news for a change....

jamesey07

why would i write to them saying that, it might mean they won't give me any credit and i need credit as it treats my depression

mystic_trev

mabski wrote: »

theres only two options i can see

one is to take them to court to get the default removed on the grounds a non compliant default notice
or ask the cra's to remove the data from all automatic processes and only use the data in manual searches (which they are not set up to do) under chapter 29 of the data protection act

or check out other consumer websites who will be more than happy to give you better advice than me

You obviously didn't read the Judgement.

Data Protection Act
The Court was also asked to consider whether the passing of information to credit reference agencies was a breach of the Data Protection Act 1998. In light of its conclusion that the referral of information was to credit reference was a legitimate and lawful, the Court ruled that “there is simply no basis for the contention that data is not being processed fairly and lawfully” and that the processing of data is clearly in the legitimate interest of promoting responsible lending.

The Court therefore held that there was no basis in this case to prevent referral of information under the Data Protection Act.

izools

jamesey07 wrote: »

yeah yeah izools i believe u many wouldn't about the defaults must of made u feel real good though that u didn't have to pay all those defaults though? i mean if you really wanna pay them back as your such a outstanding memeber of the commuinty who doesn't like to see people do wrong then u will surely pay what u owe back to the people u have defaulted with, i mean it's there money u have spent so u got out off it on a legal loophole i'm sure i know the answer to that though that you will never pay that money back tut tut, r u making fun of the voices? :rotfl:

Aww bless you - you didn't read my post all, did you? Wherin I stated that I am making payments to the official receiver and will continue to do so, the official receiver sends my payments to them out to all of my creditors, all the defaulted accounts, just like a debt management plan.

I don't for a second think that I am an outstanding cititzen.

I made some very bad and stupid financial decisions that hurt the lenders that forwarded me credit. I am ashamed of not pulling the reigns in on my spending sooner, and I am doing all that I can to make ammends for what I did wrong. I am keeping the official receiver up to date with my state of affairs and varying the monthly contributions up and down according to income.

I won't for one second make claims like "The banks said I could borrow £20K so it's their fault if I couldn't afford to pay it back" or "I'll let them default and do it all again in six years" or "I was depressed so I had to buy a house to make myself feel better."

No sir. I took myself to court after months upon months of trying to find another solution and put my hands up saying "I did wrong".

I later attended group and one-to-one therapy for anger management, depression, and dispondency.

I am now back into work part time now that the depression and dispondency has subsided for the most part, and helping my other half take responsibility for any mishaps he might have made with his creditors, and ensuring that everything is in order for him around the house as he is the breadwinner.

I think you need to take a reality check and do some research into the principle of being responsible.


You on the other hand think that your depression is a get out clause. It is not. It is something that you need to take on board and get resolved and be responsible for your actions along the way.

jamesey07

well it's better to have a default and paying out about 54p r so r maybe a quid if i'm feeling flush and yes i do think the banks have only themselves to blame, would u lend someone down the street who without proper checks were giving out silly credit limits to people who could never afford to pay it back in the long run, i'm talking here about lending money to geriatrics who have hardly any money to live on each week getting about £70, if you had access to a credit card with a few K on it to spend i think most people would do the same thing, it's the same for younger people, the banks were giving money out left right and centre and they only have themselves to blame...

~Brock~

jamesey07 wrote: »

i need credit as it treats my depression

Yeah I can understand that. 100%. If I was you I'd be depressed also.....:rotfl:

mabski

mystic_trev wrote: »

You obviously didn't read the Judgement.

you obviously didnt read the post you quoted
section 29 does not remove defaults from your credit file it simply moves it out of the automatic processing which all credit searches use
which makes it only visable to a manual search which nobody does or thats how i understand it anyway

noah271007

izools wrote: »

According to the ICO, who I spoke to last week regarding O2 not having written or verbal consent to share my data, they advised that this requirement is irrelevant as long as the data sharer is complying with some of the other requirements of the data protection act when sharing data about the data subject.

She re-iterrated this when I advised that O2 did not issue a default notice, confirmed that they did not have my written or verbal consent to share data, and that O2 also admitted that most of the default balance was present due to fraud but that they feel the data is accurate because I shouldn't have used my pets name on the account as the password.

A question which they suggested by the way.

Unfortunately the ICO don't seem very interested in ensuring our data is treated with the care and respect it deserves, rather only finding whatever excuses they can as quickly as possible to remove any responsibiltiy or blame from a comglomerate data sharer.

Thats outrageous! I had the same problem with 02, a few years back, and had to resort county court action for 02 to remove the adverse data off my credit files. You should start going the proper channels, have you received a deadlock letter from 02 or still waiting for their response? They are well known for putting defaults easily and refusing to remove them.

dealer_wins

jamesey07 wrote: »

why would i write to them saying that, it might mean they won't give me any credit and i need credit as it treats my depression

Your posts are not helpful, and you are undermining people who really are genuinely suffering from depression.

ILW

jamesey07 wrote: »

why would i write to them saying that, it might mean they won't give me any credit and i need credit as it treats my depression

Maybe credit cards on the NHS would be a good idea.