Campaign Against CRA's Enough is Enough

confused90

Jamesf81 wrote: »

They cannot do that, do you have any record of them saying that. I would make a full complaint against them and then to the FOS for breach of DPA, Banking Code and using threatening tactics.

This is a prime example of my point. The CRA's have allowed them to do this when they obviously dont have any substantiating evidence. Experian for example state that all clients sign up to strict conditions, basically meaning they take anyones word for it. When consumers successfully challenge incorrect information what happens to the creditors for breaking these conditions? Nothing! Thats why it happens as they have nothing to lose, where as we end up with our credit in tatters.

As previously mentioned if the CRA's and DCA's were hit with massive fines for each entry they incorrectly added how many false/inaccurate entry do you think would be added then?

We all know the answer!

i was thinking of doing a S.A.R to try and get recordings of the calls from barclaycard and their agents mercers.

If i can get recordings of the calls where the recording of negative information is used as a threat against me to try and force me to make a payment on an account which i have properly and formerly challenged without addressing my complaint (i have proof in writing that barclaycard flatly refused to answer any questions about the account or the payments they were taking) then surely i should be able to take action against them but how? it seems to me the only option is legal action and that would simply cost too much to take on a bank.

So who's protecting us from malicious information being recorded by banks and other lending institutions? Surely that is the I.C.O's job but to be honest from my experience they don't give a toss.

Jamesf81

The ICO have about as much jurisdiction over them as Mickey Mouse.

They need independantly regulating with a deterrent for adding incorrect data as i said previously.

Consumers are having to fight tooth and nail to have information removed and when it is successfully challenged what do the CRA's do to them? Nothing!

To those who do manage to get information removed i would urge you to bring damages claims against the company responsible. Afterall if it is removed then it should never have been there in the first place. Even those who have not yet had it removed, if you are 100% certain the data is incorrect bring claims for damages afterall it is your financial reputation they are destroying.

Jamesf81

Be interesting to see how many people have been affected by this, which companies and by what means they have added incorrect data to credit files.