can business run a credit check without premission

[Deleted User]

There’s no point going to the ICO since no law has been broken other than the sale of the car with the outstanding finance (which should have been checked before purchase).

sofronia

then they should have sent a registered post to me instead of credit checking then come to knock on my doors

even if they want to verify my address, they should run a soft check, not being dishonest by running a full credit check stating a purpose of "checking credit application", in which i have never applied.

sourcrates

sofronia wrote: »

they can access to anyone's data without consent just because they have the facility/system to do so???

No, at some point you will have given your permision, probebly unknowingly, like every time you get an insurance quote, you give the company permision to check your credit file, there are a million and one ways you may have agreed to this, maybe even years ago, permision continues, its usually included in the small print you never read, these are generic terms that are used, which may not even apply to you.

There is no penalty for checking a credit file, so a complaint is pointless, your looking for someone to blame here for the loss of your car i suspect.
If you want us to look into that more constructivly for you, how did you pay for the car, cash, creditcard, finance ?

sofronia

ok, there is no law broken so they can run a credit check on whoever they like just because they are have the equipment.
can i not report to financial conduct authority?

i was told by seller there has no finance with it, and i have no idea on HPI before it, and knowing now HPI is actually not a legal obligation for private sale

Nebulous2

I think you should be more worried about the car than the credit check. Who did you buy it from, a garage or a private individual?

If an individual do you have contact details for them?

sofronia

@sourcrates

i have never giving premission, as i have never involved in any car fiance application. but people advised that it is not an offence for them to run a full credit check even i have never applied anything from them, or cant report them to some authorities for theur dishonestly.

i bought a car without knowing it has outstanding finance from a private seller and paid full via bank transfer. under hire purchase act s27 i am an innocent buyer who has good title to own the vehicle, the finance company came and ask us to compensate their financial loss or bring us to court, they then recently took away the car without court order.

sofronia

@Nebulous2

in fact i was working on issue regarding my vehicle, and doubting why they can list out my details (such as my qualifications) which is not related to the vehilce at all, so i accendientally found out they did a credit check on me.
in order words, they know everything about me, i feel my privacy is being invaded.

from a private seller whom i cant get connected with now.

PixelPound

sofronia wrote: »

ok, there is no law broken so they can run a credit check on whoever they like just because they are have the equipment.
can i not report to financial conduct authority?

i was told by seller there has no finance with it, and i have no idea on HPI before it, and knowing now HPI is actually not a legal obligation for private sale

You bought a car with HPI on it, so effectively you bought a car from someone who wasn't allowed to sell. The seller probably stopped paying the finance and so the HPI company have come back for their car. You should do a HPI check before you bought. My son bought a car privately and so I did a check online, cost I think £4 and checked existing finance, whether it was insured, reported as stolen or written. off.

I remember years ago living in a fairly run down area you would get people walking along the street with some random item, like a lawn mower or a watch they wanted to know if I wanted to buy - common sense told me to avoid as it could be stolen. Yes there is no legal obligation to do a HPI check on buying a car privately, but you have found out the hard way why lots of sites, such as auto trader, tell you to do one.

Nebulous2

sofronia wrote: »

from a private seller whom i cant get connected with now.

That's a pity. You would have been protected if you bought from a garage, and you could potentially pursue the seller if you can locate them.

Was the person you bought it from the same person who had the finance in place, and the person listed on the V5 when you bought it?

sofronia

@nic_c
i really have no idea about HPI before, if i knew i of course would have done one. the car is just £3k, when the seller told me there is no finance, who will think he is lying. i think having some websites advising people to run a HPI is not enough as not everyone will look at these websites, maybe HPI needs to be added in the driving theory test, or the gov should do more to educate people.

@Nebulous2
i cant locate them so i can only pursue the finance company. yes the seller is the same person who is listed on v5 (i have checked his driving license for identify) and he is the one is who has the finace.