Response to Credit reference agencies

I personally doubt that Equifax have performed the tracing using a tracing agency. XXX investigations have issued credit checks on the instructions of the lender that is either seeking to locate you, or, somebody else thta thye suspect is associated with you, or, they are simply attempting to get a current financial picture of you.

Are these companies allowed to issue credit checks against your name - NO THEY ARE NOT.

If you have loads of cash then you could do something about it. There are a number legal angles available to you, invasion of privacy, violation of the consumer credit act, etc..

But, if you had loads of cash then these people would not be chasing you in the first place.

What can you do if you do not have loads of cash?

Very little is appears, but there are a number of actions available to you;

1, Issue a DPA SARN against XXX Investigations for £10.

This will provide limited information before 24th Oct 2001 and will only result in them supplying you with computer based information. If you issue the SARN after 24th October 2001 then you should get all the manual records as well.

This may provide you with documents which could be used against the lender, the credit reference agency and the investigations company. But, no holding your breath.

2, Submit an Assessment request to the Information Commissioners.

This is free. State that your rights under the DPA have been violated and you want an assessment. If the assessment confirms that your riights have been violated then you can go to court and requets compensation for stress and any losses as a result of the violations. (See a solicitor who knows what he's doing and understand the DPA) This part is going to cost you money. In theory you could apply to a magistrates court for compensation, not require a solicitor and you will be able to claim upto £5,000 compensation. (My opinion is that you will get shafted)

And that is about all you can do.

This is all "Best Advice" based on my own experiances. I'm sorry if any of it is incorrect, but there you go.

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