Telephone security - is there a competent UK bank?

The address was linked, this would in all likelyhood have been down to a data entry error at some point when you had applied for credit.

Consider:

Premise number 10 and postcode SW18 4BB Premise number 10 and postcode SW18 4BD

While they are different addresses it would be very easy for a call center worker or retail worker to confuse the two.

In any case this is, as I said, a 'irrelevant aside' because we were discussing whether the previous occupant's poor credit would effect yours, and it doesn't.

Also any occupants of addresses linked to yours will not affect your credit.

Unless of course any of these people have the same name as you, or you have a financial relationship with them.

Peter

But not easy to get corrected. When I complained they refused to do anything.

It's not irrelevant when we see how errors happen and how difficult it is to get them corrected.

So what is the purpose of linking?

Not according to the link I posted. Maybe there were inaccuracies in parts of the article but I don't know that the linking part was wrong.

In all likelyhood you were asking the wrong person, a request for the removal of a linked address is usually made to whichever bank/lender raised it.

Quite possibly, but we are discusing is how other peoples details will not effect your credit rating, so, it is irrelevant. If the CRA has messed up then it lookes quite easy to correct.

The article is outdated, as someone else has already posted:

09 I Quote: "The change in November ensures that only information about the individual credit applicant and those financially linked to the applicant can be used for consumer lending purposes."

Thank you

Isn't that the point of only asking for those digits though?

Passphrases that work the other way?

Or security questions that are so individual that the mere fact they know to ask the question identifies them.

Would an ex-tenant of mine be "financially linked"? I would assume not but errors are made all the time.

The whole issue is about me stopping a problem from occurring. Surely O2 are in breach of the DPA by incorrectly using my data (my address).

In message , Peter King writes

In theory. In practice given the astounding efficiency of corporations' bad debt departments I think its rather preferable to point out that someone has left and they should try and chase elsewhere for the money.

In message , Tim writes

The point is you only find out about such c*ck-ups when you apply for something and they don't like the look of you, then you have to dig around and work out what the problem might be. I think its preferable to avoid the problem by ensuring that people chase other people somewhere else.

I got a phone call from a debt collector. It turned out that they were working for British Gas. I told them I don't use British Gas and haven't had an invoice from them for years. They said they'd arrange the invoice to be sent to me. A week later they called again. I told them I still hadn't received an invoice. They said they'd arrange the invoice to be sent to me. A week later they called again. I told them I still hadn't received an invoice. They were willing to give me more information this time. It turned out that the correct road number was

262 not 362 but somehow my name and phone number had been used.

I'm sure Peter King thinks that people's credit ratings are always accurate but I don't agree.