Tweet
Hi to all
I would just like to say it's a pleasure to be part of this group. A very informative forum which offers a wealth of knowledge and help to people on a vast array of subjects. Well done to all involved.
Maybe this subject has previously been covered but I was wondering if anyone could offer an opinion on this scenario concerning CCA's and DCA's accessing your credit file?
Like many people I have had the threatening DCA letters concerning stature barred debts all of which I've ignored and filed. After reading some horror stories of DCA's doing searches on peoples credit files this prompted me into getting a copy of my own file. Sure enough numerous unrecorded enquiries have been made. However, the issue I would very much like clarity on is what if a DCA did a hard search rather than an unrecorded search on my file? It is my understanding that actual credit searches can only be done with my permission, which I would have agreed to when signing the original credit agreement. So my questions are-
1) Unless a true copy of the original signed credit agreement can be produced by the DCA do they have the right to conduct such searches?
2) If the DCA has been assigned the debt does the assignment allow the DCA the same priveliges as the original creditor -ie. to search my credit file?
3) If the DCA is only acting on behalf of the original creditor does this give them the right to search my file?
Surely without a copy of the original agreement the terms and conditions concerning the above are also in dispute?
I've also read of people having 'old debt' and 'trace search' being recorded on their files. Could someone please explain the implications and potential damage this type of search can do?
Again, surely in the absence of an original copy of an agreement, any agreement to ANYBODY searching my credit file is without proof? Especially when the debt in question is stature barred and doesn't appear on my file?
All opinions greatly appreciated as it would be extremely useful to understand the position concerning this should an unrecorded search turn into a hard search in the future!
Maybe this subject has previously been covered but I was wondering if anyone could offer an opinion on this scenario concerning CCA's and DCA's accessing your credit file?
Like many people I have had the threatening DCA letters concerning stature barred debts all of which I've ignored and filed. After reading some horror stories of DCA's doing searches on peoples credit files this prompted me into getting a copy of my own file. Sure enough numerous unrecorded enquiries have been made. However, the issue I would very much like clarity on is what if a DCA did a hard search rather than an unrecorded search on my file? It is my understanding that actual credit searches can only be done with my permission, which I would have agreed to when signing the original credit agreement. So my questions are-
1) Unless a true copy of the original signed credit agreement can be produced by the DCA do they have the right to conduct such searches?
2) If the DCA has been assigned the debt does the assignment allow the DCA the same priveliges as the original creditor -ie. to search my credit file?
3) If the DCA is only acting on behalf of the original creditor does this give them the right to search my file?
Surely without a copy of the original agreement the terms and conditions concerning the above are also in dispute?
I've also read of people having 'old debt' and 'trace search' being recorded on their files. Could someone please explain the implications and potential damage this type of search can do?
Again, surely in the absence of an original copy of an agreement, any agreement to ANYBODY searching my credit file is without proof? Especially when the debt in question is stature barred and doesn't appear on my file?
All opinions greatly appreciated as it would be extremely useful to understand the position concerning this should an unrecorded search turn into a hard search in the future!
Comment