National Hunter

JohalaReewi

ValHaller wrote: »

These answers are in apparent conflict. If being on the database is an indication that you are presumed to have lied, then surely it should be accessible for the £2 just like any other consumer credit records?

It is not a consumer credit record so the £2 option is not available.
Hence the fee is £10 because it is a Data Protection Act request.

ValHaller

JohalaReewi wrote: »

It is not a consumer credit record so the £2 option is not available.
Hence the fee is £10 because it is a Data Protection Act request.

If it affects the granting of consumer credit, it is to all intents and purposes a consumer credit database. Hence it is reasonable to think that the request should be £2. Is that an unreasonable analysis of the situation?

Thrugelmir

Paully232000 wrote: »

No I have never committed fraud or lied on an application.
Like I said just interested in what information is held.

Thanks all for the information

In summary.

The NationalHUNTER system is an anti-fraud data sharing system for use by members of the Financial Services Industry.It was founded in 1993, with the assistance of the Council of Mortgage Lenders (CML). From the initial six member organisations, the system has grown to include approximately 90 sites, all sharing application information for the purposes of fraud prevention.

N HUNTER Limited is an independent not-for-profit company and is solely concerned with the prevention of application fraud within the Banking and Finance community.

What is Application Fraud?
Applicationfraud is when an individual or group of individuals apply for financial services and knowingly misrepresents facts within their application. Some examples are given below:

An applicant impersonates another person after obtaining personal information about them and applies in their name.
An application is made and the applicant deliberately fails to disclose previous address information as they have adverse financial information present at that address which would prejudice the chances of the application being successful.
An applicant inflates their annual income to facilitate access to additional borrowing.
There are many more types of application fraud, but all involve untruths being present within the application.

How does National HUNTER work?
Each of our members submits details of applications that they receive for products such as mortgages, credit cards, loans etc.

Applications are checked against existing applications for inconsistencies and similarities that may indicate application fraud using a predefined set of rules. Any applications that warrant investigation are referred for further checks. No applications are automatically declined on the basis of National HUNTER information and all our members are fully audited on their use of the system on a regular basis.

The National HUNTER system is operated by Experian Decision Analytics, part of the Experian group.

We do not hold any credit scoring records, credit histories, information concerning County Court Judgements (CCJs) or bankruptcies, nor do we store Electoral Roll information. The information that is held relates only to applications made to our member organisations, and consists only of the application information supplied by the applicant(s).

rizla_king

ValHaller wrote: »

If it affects the granting of consumer credit, it is to all intents and purposes a consumer credit database. Hence it is reasonable to think that the request should be £2. Is that an unreasonable analysis of the situation?

You mean you would follow this chain of logic?

http://www.legislation.gov.uk/ukpga/1974/39/section/145

(8) A credit reference agency is a person carrying on a business comprising the furnishing of persons with information relevant to the financial standing of individuals, being information collected by the agency for that purpose.

http://www.legislation.gov.uk/ukpga/1974/39/section/158

158 Duty of agency to disclose filed information.

(1) A credit reference agency, within the prescribed period after receiving,—

(a) a request in writing to that effect from a consumer,

(b) such particulars as the agency may reasonably require to enable them to identify the file, and

(c) a fee of £2,

shall give the consumer a copy of the file relating to it kept by the agency.

matty747

I once applied and paid the £10 and got nothing back, they had no record of me. I was more curious to find out what data they held. I understand that hunter is to protect against fraud but if there are any inaccuracies it could lead to difficulties obtaining credit. Better to be in the know if you apply for multiple lines of credit and if I ever remortgage I would check it is accurate before going through a big application like that. Better to know all is correct before applying than risk rejection although they cannot reject you on hunter alone. £10 is a bit steep though!

GDVS

rizla_king wrote: »

You mean you would follow this chain of logic?

http://www.legislation.gov.uk/ukpga/1974/39/section/145

Is the electoral roll a consumer credit database? By that logic it is, in the real world it's not.

NH do not contain any information about your credit history form lenders whatsoever, they only have what you put on application forms and their database is not used for any form of credit scoring. It's fundamentally used to check you haven't applied to a lender, got turned down, then lied on an application form to another lender in the hopes they'll accept you.

matty747

Apart from lying / fraud the only issue with hunter I can see is if bank staff make an error on an application form, for example over the phone and something is keyed through incorrectly, it could look like fraud to hunter but be an innocent mistake.

rizla_king

GDVS wrote: »

Is the electoral roll a consumer credit database? By that logic it is, in the real world it's not.

I didn't say I agreed with that chain of thought. In fact I don't. I don't think NH falls under the CCA definition of a CRA.

ValHaller

rizla_king wrote: »

I didn't say I agreed with that chain of thought. In fact I don't. I don't think NH falls under the CCA definition of a CRA.

How do you think it falls outside?