We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Credit file - our rights

2»

Comments

  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Contact the CRA's directly and ask them.

    I think you're taking this all out of context though - on the verge of paranoia.

    Calm down...
  • heartbreak_star
    heartbreak_star Posts: 8,286 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Rampant Recycler
    The score is meaningless. The data that is held on file is not.

    There's a big difference.

    HBS x
    "I believe in ordinary acts of bravery, in the courage that drives one person to stand up for another."

    "It's easy to know what you're against, quite another to know what you're for."

    #Bremainer
  • HaveAGo
    HaveAGo Posts: 30 Forumite
    So the reality is that your issues were down to npower and their reporting late payments to the CRA. Not sure what 3rd party searches have to do with what happened to you.
  • antrobus
    antrobus Posts: 17,386 Forumite
    PeeJayJay wrote: »
    ....
    So what are the ways of seeking redress? There are no legal case precedents, there is the Durkin case but nothing else. I'd be keen to learn more of what you know.
    .....

    What I know is that Durkin v DSG Retail Ltd & Anor [2014] UKSC 21 was about a debtor-creditor-supplier agreement under the Consumer Credit Act 1974, and has no relevance to an alleged unauthorised search carried out on a CRA record.

    http://ukscblog.com/case-comment-durkin-v-dsg-retail-limited-anor-2014-uksc-21/

    I hope that helps.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture