Loans.co.uk

artlaw

Hi everyone, Can anyone help with this. A few months ago I stupidly went to Loans.co.uk for a loan but then changed my mind. Then last month I received a letter from them saying that they had sold to third party loan companies all of my personal details (name, address, telephone no. etc.)., the letter also stated that this could be used for identity fraud. In the letter they apologied and said that they would provide Credit Expert free of charge for 12 months from Experian.

Tonight to add insult to injury I was contacted by a cowboy claiming to be from a company called National Finance, who was very rude and over familiar, he refused to provide any contact details but stated that he had been sold my details by Loans.co.uk.

Can anyone advise what if anything I should do about this as I am quite concerned that my personal details have been handed out to god knows who. Are they allowed to do this? What should I do about it?

Any advice much appreciated.

Artlaw

laurad85

hiya, sorry i dont know the answer to your question but i think its disgusting that they can sell your details. how dare they use your information to make a profit, surely it cant be legal?

formbygb

Hi, don't know what advice to offer as I'm also in the same boat!!! I received a letter today advising that my personal details including my mortgage details have been sold too (I obviously got a quote for a mortgage at some stage). I've had phone calls all week from India call centres telling me details of my mortgage (amount, payments etc) and I've been asking them where they have got their info. from - now I know!!! The letter sent by loans.co.uk was really helpful, not! Advising to use the TPS, which I already have but unfortunately, noone is ever selling anything these days but masking it under a survey etc etc. I'm really annoyed that I and, probably many others, have been put in this situation.

[Deleted User]

Had this letter yesterday too. Unfortually I can't take up their offer of 12 months free CreditExpert because I used the free trial of CreditExpert last year. When I try signing up again it just reminds me that I'm already on the system and inviting me to login and re-activate my account for £7 a month. :mad:

mikesut

i have had the same experience this must be totaly illegal now we all have to sit around and hope no one uses our details to obtain credit ,some consumer law must have been breached ,i only enquired about a loan but now my details including income,morgage exsisting loans phone numbers etc and my address is now availible to the highest bidder i am disgusted please please help.

Redtaps

Hi my husband received 3 letters yesterday from Loans.co.uk one addressed correctly and the other two with mispelt surnames.

We have been very careful with our personal and financial details and are angry that now his personal financial details are out there.

what we thought was a cheak was the 'we have also attached a list of precautions you may find helpful in protecting your personal and finacial information generally.' how dare they!!!

is there anything we can do about this? any advice would be appreciated

kaya

when you applied for the loan either by phone or in writing of some kind you would have been read a script before they did any searches, this would have included the fact that they can pass your details on to a third party if they wish, its common practice, my Mrs works for loans.co.uk's competitor and has to read a script or recieve some forms back signed before they can proceed with the loan application, if you signed nothing and were not read the script over the phone(which they would have recorded) then you have grounds for legal action, otherwise its a case of "should have read the smallprint before signing"

mikesut

just looked in to this today it would appear they are in breach of the following clause of the data protection act
princible 7 7 appropiate technical and organisational measures shall be taken against unauthorised or unlawful processing of personal data and against accidental loss or destruction of or damage to personal data.
i have dispatched a letter to the said company.
i would suspect martin and his team would be getting their teeth into this one! (maybe) ?

jackalsb

Deleted_User wrote: »

Had this letter yesterday too. Unfortually I can't take up their offer of 12 months free CreditExpert because I used the free trial of CreditExpert last year. When I try signing up again it just reminds me that I'm already on the system and inviting me to login and re-activate my account for £7 a month. :mad:

I have just had the same problem where i had taken out the trial a while ago and it would not let me take the offer.

Just call Credit Expert on 0800 656 9000 and explain to them the situation and they will cancel your last account which will allow you to take up the 12 month offer. I cancelled mine last night at about 5pm and he told me to wait 15 minutes before trying but I just left it to this morning and it has gone through ok.

As for this situation it is totally ridicules as to what has happened and I have been plagued by calls from Indian call centres for weeks now and have got the point of just hanging up as soon as I hear the silence to begin with. Saying that though some of the operators do not give up and if you hang up will try straight away again for several times. I do have caller ID but have family abroad so have to answer to out of area calls and the TPS thing makes no difference as have been with it for years.

ceegee

mikesut wrote: »

.....unauthorised or unlawful processing of personal data....

But if people didn't indicate that they didn't want their details passed to third parties, then the disclosure is not "unauthorised", is it?

BUT......

I've been on the receiving end of such third party phone calls myself and they are so frustrating. It started when a mail order company said they needed my phone number just in case there were any delivery problems with my order. After that, all hell broke loose with unsolicited phone calls from all sorts of companies. Complaining to the third parties got me nowhere, they all carried on ringing me.

Eventually, I was so b....y angry that I phoned up the mail order company. They said there was nothing they could do about it. So I told them that if they had managed to pass my phone number to all of these companies, then they could damn well "unpass" it and stop them from pestering me. If they can pass a number on so easily, then it cannot be difficult for them to get in touch with those same companies again, to stop the phone calls.

Dire threats of reporting their unsavoury practices to the telecomms watchdog seemed to do the trick. I haven't had one unsolicited phone call for months.

(Cue the phone to ring.....:rolleyes: )

mikesut

i only enquired about a loan etc, i was not read a statment or asked or indeed told my credit details would be passed on etc,
so nothing signed no verbal agreement etc
i didnt even take a loan out with these people who are conected to the mbna bank so are mbna customer s effected also ???????????????.

it is not a good sign when they send you a letter saying they cant rule out identity fraud!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

its not only the unauthorised its the UNLAWFUL to which this company has admitted to and apperantly has been reported to the police etc.so in actual fact 7 7 has indeed been breached,