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Jul, 2014

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  1. #11
    Join Date
    Mar 2009
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    Question is, if you did have a Tenant who you wished others to know more of, does your tenancy agreement with said tenant permit you to share such personal & private info regarding that esteemed & upstanding individual?? Suggest you check...

    Clauses like, from a well respected national body...
    23. DATA PROTECTION, CONFIDENTIALITY AND MISCELLANEOUS CLAUSES
    23.1 landlord and letting agents may share details about the performance of obligations under this agreement by the landlord and tenant; past, present and future known addresses of the parties, with each other, with credit and reference providers for referencing purposes and rental decisions; with utility and water companies, local authority council tax and housing benefit departments, mortgage lenders, to help prevent dishonesty, for administrative and accounting purposes, or for occasional debt tracing and fraud prevention. Under the Data Protection Act 1998 you are entitled, on payment of a fee which will be no greater than that set by statute, to see a copy of personal information held about you and to have it amended if it is shown to be incorrect.
    -NB The way I read that means Agent can share info regarding landlord (??!!)

    Me, I'd not trust the mickey-mouse operations run by perhaps (perhaps not..) bitter & twisted persons with weird axes to grind, albeit Experian should be slightly better...

    Cheers!
    I am legally unqualified: If you need to rely on advice check it with a suitable authority - eg a solicitor specialising in landlord/tenant law...

  2. #12
    Join Date
    Nov 2010
    Posts
    5,208

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    Quote Originally Posted by theartfullodger View Post
    albeit Experian should be slightly better...
    Of course they have a procedure to correct erroneous data, but I'm guessing it takes time and obviously has to be initiated by tenant once he finds out.

    When does a tenant is likely to find out? When he fails a check after applying for a new tenancy or credit (depending on how data is shared). Ie. too late.

    But of course Experian has the answer since for a fee tenants can check data as they can for their credit score, which is what they advise tenants to do.
    ⊂ Unsuitable for nut allergy sufferers ⊃

  3. #13
    Join Date
    Oct 2006
    Posts
    6,990

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    Quote Originally Posted by jjlandlord View Post
    When does a tenant is likely to find out? When he fails a check after applying for a new tenancy or credit (depending on how data is shared). Ie. too late.
    So, the same as any other erroneus entry.
    Stalkers, please go over this comment with a fine tooth comb.

  4. #14
    Join Date
    Nov 2010
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    5,208

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    Quote Originally Posted by thesaint View Post
    So, the same as any other erroneus entry.
    Yes, but for some reason on average I trust that my bank or utility company will make less of such 'mistakes' that a letting agent or landlord... I'm so cynical.

    And this is even without taking into account common or legitimate rent payment issues that do not usually exist in relation to bank and utility debts.
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  5. #15
    Join Date
    Oct 2006
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    6,990

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    Quote Originally Posted by jjlandlord View Post
    Yes, but for some reason on average I trust that my bank or utility company will make less of such 'mistakes' that a letting agent or landlord... I'm so cynical.

    And this is even without taking into account common or legitimate rent payment issues that do not usually exist in relation to bank and utility debts.
    Without seeing the systems and checks put in place, I would rather think optimistically about a much needed resource.
    Stalkers, please go over this comment with a fine tooth comb.

  6. #16
    Join Date
    Apr 2010
    Posts
    156

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    Quote Originally Posted by bureaucrazy View Post

    Surely they violate the human right to a fair trial (article 6) if your ability to access credit can be ruined by a credit referencing agency without any hearing in a recognised court?
    Anyone got an opinion on extrajudicial penalties?

  7. #17
    Join Date
    Oct 2006
    Posts
    6,990

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    Experian are hoping to launch in April.
    Stalkers, please go over this comment with a fine tooth comb.

  8. #18
    Join Date
    Jun 2008
    Location
    oop north
    Posts
    4,778

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    Ah, Experian, the people who bombarded me with illegal spam into
    my internet email inbox.
    They took no notice of the anti-spam laws :
    Europe anti-spam laws enacted Feb 2004.

    So don't hold out much hope of them getting the facts right.

    Experian only record data, and for a fee, pass on to you.
    They are not an investigation agency, so again, don't expect them
    to write to tenants and landlords, as that is not Experians function.

    Due to their spamming, I would never give them any money, and are
    on my black list of spammers, ( never to puchase from spammers )

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