Log in

No account? Create an account
Previous Entry Share Next Entry
Woo, idiots..
Once more, it's Stupid People time.. On the back of this article here:

Okay, so the BBC does their thing where they invite idiots to participate in
the debate, which is frankly hilarious, because the general public hasn't
got a clue what it's talking about most of the time.. So let's skip to the
comments that received the most recommendations from other readers..

"Not without permission of consumers.
- arun khanna, Indianapolis, United States
(Recommended by 10 people)"

Well let's just take a section of a high street bank's terms and conditions
for a credit card..

"You may disclose how I have run my accounts to the credit reference

Okay, well that would appear to make it legal then.. Next!

"I don't like the idea of financial institutions sharing my personal details
without my say so. It is quite galling that these people probably sell my
information to other third parties and thus I end up getting bombarded with
even more junk mail. It worries me that the Data Protection Act doesn't seem
very relevent here: and can you imagine what "could" happen if ID cards were
introduced and - once again - without you knowing or permission given, your
details are sold to the highest bidder once again!
Russell O, Birmingham
(Recommended by 10 people)"

Nobody is sharing your personal details, they're sharing information on how
you run your account with credit reference agencies, who operate within the
boundaries set out by the data protection act. They are unlikely to mail you
with junk. In fact, no large reputable companies sell franchise customer
information to third parties, and not just because it would be illegal. It's
also because that increases their customers' exposure to alternative
products. Why would Halifax sell Barclaycard information on where to find
potential credit card customers? It makes no sense..

I think that I, the banks and the credit reference agencies grasp the DPA
somewhat better than "Russel O"..

"I have never agreed to a credit card company sharing my data. Looks like a
fifteen year association with Barclaycard is about to come to an abrupt end.
I would like a legal view on this proposal and the Data Protection Act, my
view is that it breaches it.
Tio Terry, Epsom, United Kingdom
(Recommended by 6 people)"

Looks like somebody never read their credit agreement, or the subsequent
notices of variation to that agreement. Here's news for you - Barclaycard
already crossreferences your name and address with the credit reference
agencies, and reports whether you made a payment, what your current balance
is, and how long you've held the account. For the last six years or so.

"I have a bank account with Abbey and a credit card with the Co-Op. I don't
believe I signed anything to say I gave authorisation for either of these
organisation to discuss my CONFIDENTIAL financial matters with any all and
Adrian Mugridge, Chester, United Kingdom
(Recommended by 5 people)"

Again, somebody hasn't bothered checking what they sign.. The Co-Op says..

"We will disclose your personal information only to:
- our licensed credit reference agency who may keep a record of any search
we make and your personal information may be shared with and used by other
lenders in assessing applications from you or members of your household"


"I am strongly opposed to financial or any other organisations sharing
personal data without my express permission. I also object to the
implication that people should not be expected to take responsibility for
their own affairs and need a nanny to tell them what to do. The vast
majority of people who get into financial difficulties do so through their
own profligacy or stupidity and I see no reason why they should be excused
from having to sort out the mess that is of their own making.
Sally Marshall, Exeter
(Recommended by 4 people)"

Using a word like profligacy (def: spending lots) does not make you smart..
It all rather depends on your view of the relationship between the banks,
customers, and credit reference agencies, and exactly who is protecting
whom. In actual fact, the credit reference agencies do not exist to protect
the customers from themselves - they exist to protect the banks from the
customers. The information they hold is used in order to make better lending
decisions, so that the banks don't have to write off large debts when the
customer realises they can't pay the money back.

Also, way to go on the compassion front..

"No they shouldnt be allowed to share data. So firstly it will be spending
habits, then what will stop them from sharing WHAT you spend your money on
and then hitting you with ad campaigns etc. I thought the Data Protection
Act was supposed to stop things like this. When I get a CC I enter a
contract with 1 company and I agree to their terms. I DONT expect my
personal details to be thrown around randomly to anyone who wants it!
Vish, Londno
(Recommended by 3 people)"

Well, Vish from Londno, for starters the data isn't thrown to anyone who
wants it. It is given to one or both of the main credit reference agencies,
Experian and Equifax. And by agreeing to their terms, you really should
expect details to be sent to them, since that's what you've signed for.

What people don't seem to grasp is that a credit reference search doesn't
bring back all somebody's personal details. If brings back a score, a single
number, relating to their creditworthiness. This number is calculated using
those details, but the details are between you and the credit reference
agency, nobody else.

It's not like one bank can see the spending history of a customer with
another bank - all they can see is a score. Is that really such an
intrusion? If you don't like it, don't apply for credit products..

"This would be a clear breach of the Data Protection Act and/or possibly the
Computer Misuse Act
Andrew Harrington, Northampton, United Kingdom
(Recommended by 3 people)"

It's depressing when people start quoting laws, somehow thinking that doing
so magically makes them aware of what's in those laws.. And finally..

"No two organisations should be allowed to share any data. This applies
particularly to all different government departments as well. Data sharing
is the main object for the national identity register database. The object
of the ID card. Once an ID number is imposed on you, ALL databases will be
able to link up, it is the point of it. Credit card companies will link to
your health and tax records, to judge the risk you are. The end of freedom.
James StGeorge, London
(Recommended by 2 people)"

I can't work out whether this person is joking or not.. If they're serious,
then it makes me want ID cards to be brought in, just to chase people like
*this* out of the country..

There were a few people who had decent opinions, and actually understood the
issue.. I'm glad of that, at least.. people don't understand, this is an
opt-in process, it's reliant on you signing a credit agreement. Nobody is
forcing you to get credit, but if you do, then you have to play by *our*

  • 1


Hello. chanced on this page.

ID cards are the tool of despots. Your comment on 'chasing me out of the country' amply demonstrates the tendency that goes with support for them!


  • 1