Unauthorised credit check - legal position?

slowlybutsurely

I think that along with credit files these companies should keep lists of unreasonable customers and decline their business instantly. That is the way to get call centres back in Britian as nobody wants to work in them here...can you blame them?

lisyloo

I think that along with credit files these companies should keep lists of unreasonable customers and decline their business instantly.

What makes you think they don't do this already?

That is the way to get call centres back in Britian as nobody wants to work in them here...can you blame them?

Do you meant they want something better for themselves - in which case that's good?
If you mean they would rather scrounge off the tax payer that's bad.

Conditions in call centers are pretty good compared with working conditions 50 years ago.
People get proper breaks, training and health and safety is in place and don't have to work too many hours.
We are EXTREMELY lucky in this country compared with most of the world.
I think people should count their blessings as they are VERY lucky to be born in this country.
Although there is nothing at all wrong with wanting to improve yourself.

BoltonMinx

I don't beleive Im being unreasonable in this instance, why perform another credit check without (a) informing me (Nothing in the T&C's of the original agreement say that they would perform a credit check at any time other than during the inital application - I do read all the literature, no matter how boring.) (b) without giving me a chance to provide additional information that proves my circumstances have changed?

I requested information, I did not make an application. I wanted to know the procedure for appealing i.e. could I still do one after 3 months or was that a new application? did I need to provide documents to prove my circumstances had changed, if so, what documents? All in an effort to determine if it was worth the hassle of an appeal.

I do realise, I can only go to the financial ombudsman once I've exhausted every other means of complaint. However, I have found that mentioning the fact does expediate complaints. The fact is, they performed an action without my consent and I am entitled to complain. I have adjusted the tone of my letter and emphasised my disappointment with their interpretation of my request.

Yes, it may seem overboard to you, but its my credit file, not yours, so if I choose to complain in the hope that this will improve their service, then it should be no skin off your nose. After all, sitting back and doing nothing when you are unhappy with a service is defeatist. I also have other accounts with this company, so I refuse to basically pay for bad service.

Like I said before, you are entitled to your opinion, even though it doesnt agree with mine

I can see the thread is now getting a little off-topic (call centres? Please, I worked one for years ), and since I have sent the letter, can I ask that we put this to bed.

Cheers