Credit Reference and the Information Commissioners Office

The Credit Reference agencies do not do too bad a job really, but they are holding data that is owned by others, and this includes the most offensive low life debt collectors who are acting for the banks.

The abuses by banks, and their agents, with individual’s data are legion.

The Information Commissioners Office is simply useless at enforcing the provisions of the Data Protection Act. The miniscule number of prosecutions by the ICO, combined with indifference by the ICO to the complaints of consumers, against a background of the UK failing to implement even the most basic required provisions of the EU directive on Data Protection. And at the same time diluting the existing provisions of the UK Data Protection Act with such nonsense as "Relevant Data", result in a UK Data Protection Act that can be ignored by all. It is worthless, totally utterly worthless.

My life has been destroyed with proven breaches of the Data Protection Act by banks and others over the last eight years that continue to this day. Armed with confirmation by the ICO of a Final Assessment that confirms multiple serious breaches I've issued High Court claims against Abbey National, who have resorted to fabrication of disclosure evidence and false sworn witness statements. But they did not need to resort to these criminal measures since the courts treat the UK Data Protection Act as being of no consequence anyway.

Abbey National even instructed the ICO to breach the Data Protection Act, and the ICO promptly did as their masters requested.

There can be no other conclusion, the ICO are useless, the Data Protection Act is useless, and the courts indifferance concerning breaches of the Data Protection Act is worthless.

Consumers are being shafted, and will continue to be shafted.