A credit card company issued a credit check against me without authority in November 2000 and I discovered this in a SARN of Experian in March 2001. I had applied for a credit card facility over a year before from the credit card company but they had declined my application at that time.(posted 8185 days ago)This credit check by the credit card company was issued at a time that my mortgage lender were issuing multiple chedit checks, I felt that everybody was having a go at me and I suffered a bout of stress & depression for eight months.
I complained to the credit card chief exec and they withdrew the credit check from Experian.
I requested an assessment by the Information Commissioner.
The IC have come back with a final assessment report that this action by the credit card company was "Un-Fair". The credit card company stated that they did not know why the credit check was made, despite extensive investigation.
I have instructed my solicitor to submit a compensation claim to the magistrates court against the credit card company. Maximum amount of claim is £5,000 at the magistrates court.
Once this compensation claim is heard, and I am awarded compensation, there will be a president (at magistrate court level) regarding illegal credit checks.
I'll post full details when the case is concluded.
Good luck