Where does PPI claim company get info from?

Be_Happy

Been puzzling this since this morning.

Got usual call from company trawling for PPI claims, but this one had detailed information. He said I had paid off personal loan in 2009 and mentioned the amount. I know I had taken out no personal loan and ended the call.

However, the date and amount do match a final payment we made on our house mortgage.

This was with Halifax, so surely the only people having this info would be Halifax and presumably credit reference agency. Where has claims company got the info from?

Stevie_Palimo

From data lists they buy in that are gathered on every individual who uses banks and so on, Basically if you do not want any trace of yourself being known you need to go and live in a tree so that nothing is kept and sold with your personal details.

dunstonh

Most of your financial data is not in the public domain. Secured loans do appear on land registry and that information can be bought (and claims companies have been buying it). unsecured loans do not. So, any third party that calls you about an unsecured loan usually has that data unlawfully unless you supplied it to them.

Many cold calls dont have any information but play the odds game. Or are trained to word things in a way where the caller can steer a conversation to get the person to give up info without even realising it.

magpiecottage

dunstonh wrote: »

Many cold calls dont have any information but play the odds game. Or are trained to word things in a way where the caller can steer a conversation to get the person to give up info without even realising it.

It is a bit like the horoscopes which are so generic they can apply to anybody.

That will get you into a conversation from which they pick up information to use to further convince you.

Sneaky or what.

Stevie_Palimo

magpiecottage wrote: »

It is a bit like the horoscopes which are so generic they can apply to anybody.

That will get you into a conversation from which they pick up information to use to further convince you.

Sneaky or what.

it is as I have said from lists being purchased if I wanted the details on people who have had loans, mortgages, mobile phone contracts, paid rates, ccj'c and almost any other finance product known I would be able to purchase it with ease, I have seen some data before and it lists a hell of a lot of information on many individuals and costs next to nothing these days.

societys_child

Stevie_Palimo wrote: »

it is as I have said from lists being purchased if I wanted the details on people who have had loans, mortgages, mobile phone contracts, paid rates, ccj'c and almost any other finance product known I would be able to purchase it with ease, I have seen some data before and it lists a hell of a lot of information on many individuals and costs next to nothing these days.

I believe that's what dunston meant when he referred to data gained unlawfully.

magpiecottage

In that case put in a complaint to the CMC that they have unlawfully obtained your personal data.

Be_Happy

Thanks for all the information.

In this case, the caller opened the call with details of year and amount, so he had the information from somewhere.

I note what you have said about data being bought, but did not think this would apply to data held by banks, credit reference agencies and reputable bodies. However I just have to assume that, as people above have pointed out, no data is really secure.

Thanks again.

magpiecottage

If the CMC has obtained the data from illegitimate sources, then it is in breach of the Data Protection Act 1999 and so you can complain.

Be_Happy

Thanks magpiecottage, but in my case I don't have the time or energy to spend complaining about this, especially as it was a 'private caller' number and I couldn't make out who Ramon/Ramos? said he was calling from.

Any future times I'm going to ask caller to repeat the company name and I'll write it down.

Stevie_Palimo

societys_child wrote: »

I believe that's what dunston meant when he referred to data gained unlawfully.

I did make this point in post 2 of this thread.