My local council have searched my credit file

Aspiring_Writer

Hold on, says I....

Just because you have a copy of the Daily Mail , doesnt mean to say it came from my bin or that I put it in there....someone has planted it on me , well, planted it in my bin...

We also found a copy of the Daily Sport Sir, like to explain that one aswell would you? Someone 'planted' that in your bin aswell have they Sir?

Its a fair Cop....(hands over cheque) ...

Aspiring_Writer

Sorry Cocopopslover, hijacked your thread a little there.

Good Luck with the Council, be interesting to hear/read the outcome/mealy mouthed reply..

biscit

Aspiring_Writer wrote: »

I have just been fined £ 2,500 because they found a newspaper in my bin!

I doubt it.

co123456

If a company searches your credit file without your permission, what recourse do you have? Could you make a formal complaint to the Financial Ombudsman if the company was unable to provide evidence that you had consented to a full credit check?

Aspiring_Writer

biscit wrote: »

I doubt it.[/QU OTE]

Er, hint: Read the thread? Kinda gives you an idea where the topics going...

Although having said that, I'm not that sure I know myself where I was headed with that wee riff....time for my medication...

stella2009

I thought that government were able to access your credit file for purposes of detecting / investigating fraud etc ???

CocoPopsLover

stella2009 wrote: »

I thought that government were able to access your credit file for purposes of detecting / investigating fraud etc ???

I guess so, but should they still not ask for permission?

izools

CocoPopsLover wrote: »

It said unrecorded enquiry but they have no reason to search it. I too thought that they had to get your permission before doing so.

I have given them any reasons too search my file. I have never (in any circumstances) been late for payments or been in arrears!

If anything, I have overpaid on serveral ocassions so I really do not understand

It could be an ID Verification.

The Inland Revenue do this now, too. They use an Experian ID system to ensure they are speaking to the person that the caller claims to be, by asking personal questions related to data that my be on your credit file rather than just name and address.

When I called Working Tax Credits last I was asked what my previous address was, and when I took out my bank account via the Experian ID system thing they use. Could be same thing

You can raise a notice of dispute with Experian to get the search removed, but if it's an unrecorded enquire it will have 0% impact on your score.

**Upsy_Daisy**

We routinely do experian searches of people applying for council housing or people applying for tranfers.

On the applcation form it say we will make any third party checks including land registry and credit agencies - in my borough there is a secton which the applicant signs giving us permission to do this. If they don't sign their application is not progressed.

We recently found someone screaming for a transfer from her one bed flat who actually owns a 3 bed house she is renting out privately - oh and she is also claiming HB on the flat she is renting from the council

I did 60 searches today (yes, we work Saturdays) and combining Experian and Land Registry checks I found 8 council tenants who also own properties...

...Not a bad days work - although I'm sure the Daily Mail would criticise me as a "Town Hall Snooper"

UD

stella2009

**Upsy_Daisy** wrote: »

We routinely do experian searches of people applying for council housing or people applying for tranfers.

On the applcation form it say we will make any third party checks including land registry and credit agencies - in my borough there is a secton which the applicant signs giving us permission to do this. If they don't sign their application is not progressed.

We recently found someone screaming for a transfer from her one bed flat who actually owns a 3 bed house she is renting out privately - oh and she is also claiming HB on the flat she is renting from the council

I did 60 searches today (yes, we work Saturdays) and combining Experian and Land Registry checks I found 8 council tenants who also own properties...

...Not a bad days work - although I'm sure the Daily Mail would criticise me as a "Town Hall Snooper"

UD

Well I guess that cleared it up!!!

LOL