Yes, I quite agree, I also think it is indeed standard practice for banks and others to perform unauthorised credit checks, and then immediatly delete them.(posted 7785 days ago)But that does not mean they are allowed to do so.
And the IC will not support them. The IC will be forced to issue an Assessment confirming that the credit search was not authorised. And I'm nasty enough to take Candid Collections to court.
I have a growing list of unauthorised credit searches against my wife and myself from Barclaycard, investigators, and now Candid Collections, whoever they are. Each and every one will eventually face court action for violations of the Data Protection Act.
What I find interesting about this latest credit check is the way that they were able to issue a credit check dated from 20 months before, and anything over 18 months is automaticly dropped from the credit reference printout list of credit searches. I suspect that the IC will be forced to block this type of pre-dated credit check at Experian and other credit reference agencies. It might also increase presure for a meaningful audit trail of all activity. Now that would be interetsing.
Regards, MLJ