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  • FIRST POST
    • T-G-C
    • By T-G-C 4th Feb 18, 10:24 AM
    • 185Posts
    • 75Thanks
    T-G-C
    Addison Lee - 3 Hard Searches for 1 Account
    • #1
    • 4th Feb 18, 10:24 AM
    Addison Lee - 3 Hard Searches for 1 Account 4th Feb 18 at 10:24 AM
    I applied for a credit account with Addison Lee. There is no direct lending, it is simply to take rides on credit and pay the invoice in full at the end of the billing cycle.

    When I opened the account with them, the lady said she would run a credit check over the phone, which I passed.

    After looking at CRA records, there are three hard searches on file from Addison Lee, for the same financial product, not different applications, as my first attempt was approved.

    The date(s) of each hard search:

    Checking Credit Application

    04/01/2018

    Checking Credit Application

    30/12/2017

    Checking Credit Application

    29/12/2017


    Just to clarify, these hard searches are all with CallCredit, not because they've searched with other CRAs.

    1. Are they legally allowed to make 3 individual hard searches when opening one account with them for the same financial service?

    2. What would be their need to make 3 searches? I would assume everything they need to know about me can be pulled in one hard search, an extra 2 contains the same info?

    3. Do I have any grounds to dispute the 2 extra hard searches, other than the one made on 4th January which was the check she made over the phone?

    4. Can lenders see all of those hard searches or are the other 2 included in the "same lender" exclusion rule about hiding multiple searches? Please bear the date gap in mind.

    I did ask an account representative at Addison Lee, who brushed off my distaste of the extra searches and claimed it was common practice for companies to make multiple searches.

    Thanks for your help with this!
    Last edited by T-G-C; 04-02-2018 at 10:27 AM.
    All advice provided is intended for guidance purposes only. For specialized debt advice, please contact either National Debtline or StepChange.
Page 1
    • chattychappy
    • By chattychappy 4th Feb 18, 10:44 AM
    • 6,799 Posts
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    chattychappy
    • #2
    • 4th Feb 18, 10:44 AM
    • #2
    • 4th Feb 18, 10:44 AM
    I think you can complain. You agreed to a single search, so the further searches were unauthorised. Given Addison Lee's attitude, perhaps complain straight to Call Credit and ask them to remove the record of the further searches. The only tricky issue would be if there was something in Addison Lee's T+Cs that allows them to make further searches, but what the lady on the phone said should really override this.

    My business can credit check via Experian. I have a fixed package so individual searches cost me almost nothing. The software is easy to use. I am careful to save search results. But I can imagine another company might be rather disorganised and re-search each time somebody needs to look at it because it's easier that way.

    On each search, there is a yes/no question asking if I have the applicant's permission to do the search.
    • AllieKat
    • By AllieKat 4th Feb 18, 12:15 PM
    • 91 Posts
    • 57 Thanks
    AllieKat
    • #3
    • 4th Feb 18, 12:15 PM
    • #3
    • 4th Feb 18, 12:15 PM
    Given how many Addison Lee drivers drive... I would have expected some kind of wreck, just not a credit report one
    • T-G-C
    • By T-G-C 4th Feb 18, 12:42 PM
    • 185 Posts
    • 75 Thanks
    T-G-C
    • #4
    • 4th Feb 18, 12:42 PM
    • #4
    • 4th Feb 18, 12:42 PM
    I think you can complain. You agreed to a single search, so the further searches were unauthorised. Given Addison Lee's attitude, perhaps complain straight to Call Credit and ask them to remove the record of the further searches. The only tricky issue would be if there was something in Addison Lee's T+Cs that allows them to make further searches, but what the lady on the phone said should really override this.

    My business can credit check via Experian. I have a fixed package so individual searches cost me almost nothing. The software is easy to use. I am careful to save search results. But I can imagine another company might be rather disorganised and re-search each time somebody needs to look at it because it's easier that way.

    On each search, there is a yes/no question asking if I have the applicant's permission to do the search.
    Originally posted by chattychappy
    It must be quite interesting for you, as credit checking yourself using their lender system would display exactly what a creditor can see, rather than the consumer version of the report file

    I know it would leave a hard search, but I’d sacrifice one hard search to get an accurate lender perspective view of my credit file.

    I’ve emailed their Credit Control team as the last responder was from another department.

    They can provide a decision on whether the hard searches can be removed, due to their site malfunctioning.
    All advice provided is intended for guidance purposes only. For specialized debt advice, please contact either National Debtline or StepChange.
    • tenchy
    • By tenchy 4th Feb 18, 9:47 PM
    • 360 Posts
    • 113 Thanks
    tenchy
    • #5
    • 4th Feb 18, 9:47 PM
    • #5
    • 4th Feb 18, 9:47 PM
    I think you can complain. You agreed to a single search, so the further searches were unauthorised. Given Addison Lee's attitude, perhaps complain straight to Call Credit and ask them to remove the record of the further searches. The only tricky issue would be if there was something in Addison Lee's T+Cs that allows them to make further searches, but what the lady on the phone said should really override this.

    My business can credit check via Experian. I have a fixed package so individual searches cost me almost nothing. The software is easy to use. I am careful to save search results. But I can imagine another company might be rather disorganised and re-search each time somebody needs to look at it because it's easier that way.

    On each search, there is a yes/no question asking if I have the applicant's permission to do the search.
    Originally posted by chattychappy

    This is a genuine question, but presumably if you respond "No" you are not allowed to proceed?
    Edit -- Also, when you say "my business", do you mean your personal company, or the (large) credit provider that you work for?
    Last edited by tenchy; 04-02-2018 at 9:49 PM. Reason: Add
    • chattychappy
    • By chattychappy 5th Feb 18, 8:18 AM
    • 6,799 Posts
    • 3,693 Thanks
    chattychappy
    • #6
    • 5th Feb 18, 8:18 AM
    • #6
    • 5th Feb 18, 8:18 AM
    It must be quite interesting for you, as credit checking yourself using their lender system would display exactly what a creditor can see, rather than the consumer version of the report file
    Originally posted by T-G-C
    You only get a subset of the information. Normally when people ask for their report (via a membership or SAR) they get everything that's held on them. When a company accesses the report it doesn't get the names of other lenders and some of the older stuff is missing. It does show if there have been any CCJs and whether you are on the post office address database, I think. No doubt there are other services companies can subscribe to.

    I know it would leave a hard search, but I!!!8217;d sacrifice one hard search to get an accurate lender perspective view of my credit file.
    Originally posted by T-G-C
    It's not worth it. Also,I think there is no one "perspective". Different services might well provide different levels of detail. I got the cheapest one!

    This is a genuine question, but presumably if you respond "No" you are not allowed to proceed?
    Originally posted by tenchy
    Correct. On one occasion I missed the box (which is unchecked by default, meaning you haven't obtained permission) and it kept returning me to the previous screen.

    Edit -- Also, when you say "my business", do you mean your personal company, or the (large) credit provider that you work for?
    Originally posted by tenchy
    My personal company. I use it mainly for B2B deals where a director has given a guarantee. I use it to check the director.
    • tenchy
    • By tenchy 5th Feb 18, 7:56 PM
    • 360 Posts
    • 113 Thanks
    tenchy
    • #7
    • 5th Feb 18, 7:56 PM
    • #7
    • 5th Feb 18, 7:56 PM
    Just to confirm this; my understanding is that only companies that contribute account data on a rolling basis can carry out credit checks (hard searches of all credit-related data) against someone. Presumably you can't just carry out a credit check on anyone? Is this more a credit check on a business rather than an individual?
    • chattychappy
    • By chattychappy 6th Feb 18, 8:47 AM
    • 6,799 Posts
    • 3,693 Thanks
    chattychappy
    • #8
    • 6th Feb 18, 8:47 AM
    • #8
    • 6th Feb 18, 8:47 AM
    Just to confirm this; my understanding is that only companies that contribute account data on a rolling basis can carry out credit checks (hard searches of all credit-related data) against someone. Presumably you can't just carry out a credit check on anyone? Is this more a credit check on a business rather than an individual?
    Originally posted by tenchy
    No, I do "hard checks" and it is on private individuals. I don't share any data with Experian, though perhaps they use the basic data I give them. (Name and address.) Experian did some basic check on my business (who I was etc) and that I was registered under the Data Protection Act ("I need a Z number", as the rep called it.)

    Is it the case that those who share rolling data can monitor someone (or get alerts) without further hard searches?? I forget now.
    • tenchy
    • By tenchy 6th Feb 18, 9:29 AM
    • 360 Posts
    • 113 Thanks
    tenchy
    • #9
    • 6th Feb 18, 9:29 AM
    • #9
    • 6th Feb 18, 9:29 AM
    No, I do "hard checks" and it is on private individuals. I don't share any data with Experian, though perhaps they use the basic data I give them. (Name and address.) Experian did some basic check on my business (who I was etc) and that I was registered under the Data Protection Act ("I need a Z number", as the rep called it.)

    Is it the case that those who share rolling data can monitor someone (or get alerts) without further hard searches?? I forget now.
    Originally posted by chattychappy

    Okay, thanks for the clarification. I've started a related discussion on the credit file board, linking to this one.
    • T-G-C
    • By T-G-C 6th Feb 18, 3:02 PM
    • 185 Posts
    • 75 Thanks
    T-G-C
    No, I do "hard checks" and it is on private individuals. I don't share any data with Experian, though perhaps they use the basic data I give them. (Name and address.) Experian did some basic check on my business (who I was etc) and that I was registered under the Data Protection Act ("I need a Z number", as the rep called it.)

    Is it the case that those who share rolling data can monitor someone (or get alerts) without further hard searches?? I forget now.
    Originally posted by chattychappy
    Authorised lenders which are considered an “Active” creditor on a person’s credit file receives unlimited access to their debtor’s records.

    For example, Vanquis could pull John Smith’s file if deciding on whether to grant a credit limit increase. The categories of information assessed is the exact same nature of their original hard search.

    Once a credit account is closed, the creditor will need to perform another hard search to access their file. Other than that, if a debtor has authorised a business to annually soft search for updates / promotions, then such will be performed without affecting the consumer.
    All advice provided is intended for guidance purposes only. For specialized debt advice, please contact either National Debtline or StepChange.
    • T-G-C
    • By T-G-C 12th Feb 18, 9:41 PM
    • 185 Posts
    • 75 Thanks
    T-G-C
    UPDATE:

    After a massive row on the telephone and reminding them of their responsibilities under consumer contract regulations, part of which was in writing, I have had the additional hard searches successfully removed from CallCredit records.

    If someone experiences this issue in future, please contact me for the written template I made.
    All advice provided is intended for guidance purposes only. For specialized debt advice, please contact either National Debtline or StepChange.
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