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Credit file - our rights

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  • [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.
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