Thank you for that update, Harry. It just goes to show how ineffective an arbitrator the IC is: afraid to step on the toes of Experian. One senses the negativity on the IC's website (eg in the FAQ's, where the greater emphasis is on what the IC WON'T do rather than on what she WILL).(posted 7883 days ago)Would you mind mulling over this; nothing to do with my mortgage, but similar lines to your mate's case.
A year ago I applied for a copy of a regulated loan agreement under S78 of the Consumer Credit Act. I paid the £1 fee, and sent the application by recorded post. The debt-chaser company have acknowledged that the application was received. However a year down the line they still haven't come up with a copy of an agreement. Looks unlikely they ever will. So do you think that if I were to retract any permission that may* exist to report my financial details *(I realise this would have to be carefully worded so as not to admit the existence of an agreement), in similar fashion to your mate, that I might succeed with Experian where he didn't? I'm assuming that in your mate's case Grabby were able to come up with his original written permission to report his details (or at least his acknowledgement that such a document existed); whereas my persecutors seem unable to produce any such document, neither for express nor implied permission from me to report my financial details.
Phew! So would, in your opinion, the outcome with Experian be different from your mate's if the company chasing me were unable to produce evidence of any permission from me?
Thanks, Darius