CallCredit (Noddle) Fundamental Breach of Data Protection Act 1998

Tiddlywinks

luvchocolate wrote: »

this is just ridiculous, there was no threat in the above post.
I for one will not read any more this ranting...

I agree - I am minded to now ignore the OP as clearly any engagement with him is feeding his paranoid delusions.

Perversely, the OP even sees challenges of his views as support of his campaign.

VictimOfImpersonation

All those in the lending and CRA industry with biased opinions and a tendency to ridicule instead of offer evidence to those who hold views diametrically opposed to theirs, are indeed most welcome to ignore this thread.

Ant.Evs

But you are clearly missing the point..

The CRA provided your Lender (or in this case the fraudsters lender) with your credit file as requested. The CRA have done nothing wrong. It was your lender that asked for your data!

Your LENDER asked the CRA to register the data against your credit file. No fault of the CRA.

or lets put it another way since you claim to be a database guru...

Think of the CRA as just a database. It has no brain and makes no decisions. It is simply a data repository. If you make an error and put it in the wrong place it wont always tell you.

in other words your beef is with your LENDER. They asked for your credit file and got provided with it. They made the decision to lend the money and they are the ones the report the payment data to the CRA.

What do you not understand about this? its simple!?

Report the issue to your Lender. they will (eventually) ask the CRA to remove the wrongly added data. Job done!

You are trying to fight the wrong people. The CRA is not there to make a decision on lending nor is it there to ensure the data it holds is accurate. This is down to the lenders and yourself to ensure this is accurate and if it is not there are several routes to take to resolve your problems.

Posting on a forum ranting is simply not one of them.

VictimOfImpersonation

Ant.Evs wrote: »

... or lets put it another way since you claim to be a database guru...

Think of the CRA as just a database. It has no brain and makes no decisions. It is simply a data repository. If you make an error and put it in the wrong place it wont always tell you.

Exactly! GIGO! GIGO is not an excuse for things going wrong, it is a bad thing to be avoided at all costs! A CRA is not just a database. It is a licensed data controller. To stuff a database with any old information that comes your way and then promote it and flog it on as some gospel is reckless.

...in other words your beef is with your LENDER. They asked for your credit file and got provided with it. They made the decision to lend the money and they are the ones the report the payment data to the CRA.

Yes of course I have a beef with my daft lender but not with them alone. I require both the lender and the CRAs to act as responsible data controllers per the law, not as hapless players who go about as ropey and as unprotected as a string vest!

What do you not understand about this? its simple!?

I understand far more than the lender or the CRAs would like. Yes it is simple, but they are clouding it enormously, mostly because they don't make money from cleaning data, they make money from any old lending turnover generally (on a mud slung against a wall basis - if lending interest rates and charges are high enough then some you win some you lose - mostly you win and what's a little fraud seepage between friends?) ,and of course from flogging data - any old data ?

I therefore invite you to consider whether your own interpretation is not just simple, but far too simplistic !

Ant.Evs

There is nothing far to simplistic about it. That is simply how it works, whether we like it or not. I understand its frustrating. I understand it doesn't always work. I understand that the people operating it simply do not give a !!!!!! but i also understand that your mission to try and get them to do something about it by posting on a forum is destined to fail.

The CRA's or the lenders if they were ever to look on here wouldn't give two sods. Its not bed press to them, Why would it be, these are three companies (callcredit, equifax, experian) that have no competition. We are not their customers the banks and lenders are. Do they give a fig what we think of them? do they hell. Do i care that they don't care about little old me? Not at all providing that when they do get something wrong that i am able to contact them and the lender to get it put right.

VictimOfImpersonation

Ant.Evs wrote: »

There is nothing far to simplistic about it.

We'll have to agree to differ on that!

Do i care that they don't care about little old me? Not at all providing that when they do get something wrong that i am able to contact them and the lender to get it put right.

And that highlights the difference between you and me. You are alright Jack. I don't much care whether they care about little old me either. I DO care that they don't care about little old you, me or anyone else. You and I are able to create our own paths in life - deal with adversity. We are not typical. Peoples lives get damaged by this stuff. Even you with all your cleverness will get old. Let's hope you retain your lucidity on financial matters to the end. But what if you start losing it? Who will care then when you are frightened and confused by bills that land on your doormat because someone opened an account in your name?

Have a care please for people less able to deal with this sh|te than yourselves. There are far more of them than there are of us ugly baskets.

Ant.Evs

Im pretty sure that when i am old and "lost it" as you put it that i will care about it even less lol.

Either way, the complaint processes they have in place will still continue to be there for anyone with a problem who wishes to put things right even if you are old and lost it.

I can only conclude that you do not wish to resolve your problems since you continue to refuse help from the CRA.

Look at the end of the day i can understand why your annoyed. I would be too. But seriously, the people on here do not care. I am not just saying this to get your back up, i am saying this because you are wasting your time. Your time and my time on this world is precious and really should not be wasted complaining about things that nobody cares about.

Mate please before you get an ulcer or something worse, just stop complaining on a forum, make your complains known to your lender and CRA and once they sort it, RELAX! Seriously it will make you feel better.

Sabbathdei

Well we do live in the "ME" generation, although it's quite alarming to find such a blatant "folk-you" attitude on this forum, not just here but on some of the other boards as well. If nobody cares about anybody else, what are we all doing here ? Laughing at the other sod's financial problems ?

VictimOfImpersonation

Ant.Evs wrote: »

Look at the end of the day i can understand why your annoyed. I would be too. But seriously, the people on here do not care. I am not just saying this to get your back up, i am saying this because you are wasting your time. Your time and my time on this world is precious and really should not be wasted complaining about things that nobody cares about.

Mate please before you get an ulcer or something worse, just stop complaining on a forum, make your complains known to your lender and CRA and once they sort it, RELAX! Seriously it will make you feel better.

I appreciate your kind advice Ant. Evs, but please don't worry about me. I am a remarkably laid-back sort with few grey hairs, but from my relaxed position I know that I can do some good by keeping this in the headlines on MSE.

Yes lots do not care, but contrary to what you and others have said, I can assure you that the corporates do care about bad publicity, and the regulators and even MPs will be watching.

Parliamentary Select Committees do not invite Martin Lewis to give evidence necessarily because they think he is the authority on consumer interest matters, but because he built and occupies the seat at the apex of public opinion on consumer interest matters. That seat was built on these forums.

ICO, OFT, and FCA probably won't get into gear for years yet on CRAs, but the absurdity of the UK position with instant personal credit lending and these stupid impersonal computerised decisions backed by inaccurate big brother type databases too easily found in third party hands is viewed by some of our European partners with disbelief. As with so many parts of the UK economy, we have a Wild West where anything goes. Well it doesn't. It's not good enough, and for a week or two yet I still have the time to say so if MSE let me.

CRAs and lenders will just have to suck it up or offer some better response than we have seen so far.

I mean it is totally bloody ridiculous that a big credit card issuer offers an online new card application process which means any of our (yours and mine and everyone in the UK's) names and addresses can be piled in with any old incorrect supporting data, that a p|ss-poor designed computer credit check will then link with Experian and convince itself that all is ok based solely on the name and address and despite all the inconsistent data, and a card will be issued with no further checks. And to an existing long-term customer too where they had all the correct data to start with!

Furthermore it is ridiculous that another CRA (CallCredit) then receives the data on the new agreement and ALSO satisfies itself that it belongs to you or me, based solely on the name and address and the fact that it came from a lender, again despite the inconsistent data :rotfl:

It is a total joke. None of them are data controllers. They are just data conduits in the same way as drains are sewerage conduits. They handle blocked drains in much the same way as the water companies - you tell us where it stinks again and we'll come out again in the statutory maximum period and take a look. They don't even begin to think "Oh that's not very nice to the various people who have that stinking water right outside their window or backing up into their toilets (again) - maybe we ought to have the drains up because it keeps blocking in the same sorts of places - maybe we need a better designed drain - one that can cope with what is being stuffed through it".

I think that's what I'll call them from now on - SCO's - Sewerage Conduit Operators. That's how they are behaving. I don't think SCO's are ever much in fear of their licenses being revoked either, are they?

Ant.Evs

VictimOfImpersonation wrote: »

I appreciate your kind advice Ant. Evs, but please don't worry about me. I am a remarkably laid-back sort

You say that then go in to a 500 word rant lol. Very laid back :eek:

Anyway, We shall agree to disagree and i shall wish you well on your mission. I cant and wont agree with the way your trying to achieve your goals but again i wish you well in reaching them and will waste my time no more :T :beer: