How did he find out?

Charles464

Hi all, I wonder if anyone can help me with this one?

A friend of mine who works for her father's small family business recently bought a newish car (in her own name, it wasn't a company car, nor was the company paying for it) and her brother got insanely envious about it.

So much so in fact, that he did a search and got details of her PCP plan - monthly payment figure etc- and has waved hard copy in her face Which was absolutely nothing to do with him.:(

HOW did he manage this? Because if you do a simple HPI search, the search will only return details of when finance was taken out and the length of term.

So, other than doing a search with Experian or Equifax how could he find out what her monthly payments were?
Did he make a bogus credit check by pretending to be her?

As it's someone else's information that he's got hold of, what offences has he or the person who supplied the information committed in doing so and what course of redress does she have in that event?

Also, are records kept by the credit reference agencies on an individual's account as to who has done what searches?

TIA

[Deleted User]

He -

- Hacked her computer
- Broke into her filing cabinet
- Works at the lender
- Bribed someone who works at the lender
- Bugged her phone
- Spoke to the father
- Calculated the figure from the dealer's published info
- Found the information of his father's workplace
- Bluffed having the information

Or some variation thereof.

worried_jim

Or went to the same dealer and asked for the same package.

GingerBob_3

Doing a search with Experian/Equifax/CallCredit would be a good bet. Their databases are accessible to literally hundreds of thousands of people. Certain employees of any organisation that subscribes to the CRAs' services, and lots of other people besides, can access the data. Normally a so called 'footprint' would be left after the search, but this could easily be blagged by a user logging on with a colleague's ID, or using an account already logged on.

Bonfire_Bride

Finance companies are very very strict when it comes to data protection. However, if her brother knows name, DOB, address etc and can put on a great female voice (or ask another lady to do it) - then there is a chance to finance company have passed on information (even sent a copy of the docs).

Ask her to ring them and speak with them...put a password on the account.

it really is none of his business!!

worried_jim

But it wouldn't give many of the pcp details, just the name of the finance house and if a payment has been made the amount.

Bonfire_Bride

GingerBob wrote: »

Doing a search with Experian/Equifax/CallCredit would be a good bet. Their databases are accessible to literally hundreds of thousands of people. Certain employees of any organisation that subscribes to the CRAs' services, and lots of other people besides, can access the data. Normally a so called 'footprint' would be left after the search, but this could easily be blagged by a user logging on with a colleague's ID, or using an account already logged on.

you could not obtain a hard copy of docs via credit referencing agencies.

GingerBob_3

worried_jim wrote: »

Or went to the same dealer and asked for the same package.

One assumes from the OP's post that certain personal info was also 'on display', but granted, this is not stated by the OP, so in the absence of clarification you could be right. OP - can you shed any further light on it?

GingerBob_3

Bonfire_Bride wrote: »

Finance companies are very very strict when it comes to data protection. However, if her brother knows name, DOB, address etc and can put on a great female voice (or ask another lady to do it) - then there is a chance to finance company have passed on information (even sent a copy of the docs).

Ask her to ring them and speak with them...put a password on the account.

it really is none of his business!!

Yes, they take it very seriously. :rotfl:

Bonfire_Bride

GingerBob wrote: »

Yes, they take it very seriously. :rotfl:

I don't understand??

If you work for a finance company and breach DPA...you will be sternly talked to and booted if it continues.

Do you have any evidence of them not caring??(excluding hacking as that is a null point)

Charles464

Thanks for your reply.

I wasn't there at the time, but he claimed to have searched on the registration number and not her perse'

He may have printed it off online. But he knew exactly the monthly repayment and. It was an 18 month old car. There wouldn't have been another car like it, and so the deal would have been unique to her.

Incidentally, her brother also works for her father.