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Moon phases


Debt and New Data Protection Laws

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Debt and New Data Protection Laws

Post by dianne1985 on Thu May 03, 2018 1:40 pm

I am not yet au faith with the new rules but wondering if these laws will have any benefit for is in keeping DCAs at bay?

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Re: Debt and New Data Protection Laws

Post by dianne1985 on Thu May 03, 2018 1:53 pm

Further to my question above, I have sourced this at

https://www.arum.co.uk/gdpr-need-know-collections-recoveries/

Surely we can now tell a DCA to 'forget us'?

And I'm curious how would this impact on debt agencies, for example, if I add an account default years ago and now statute barred, could I then ask the company to forget me and apply again to their company with no ability for them to see my previous failed accounts?

It's all very intriguing to know if this is one thing that, for its infancy at least, can be used against our OCs!


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Re: Debt and New Data Protection Laws

Post by dianne1985 on Thu May 03, 2018 1:59 pm


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Re: Debt and New Data Protection Laws

Post by nautilous on Thu May 03, 2018 4:56 pm

Interesting. How about once a bank has sold a debt to a DCA then you can instantly ask the bank to forget you. Then when you ask the DCA for proof there is none??

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Re: Debt and New Data Protection Laws

Post by dianne1985 on Thu May 03, 2018 5:07 pm

That's what I was thinking too. If a DCA doesnt collect these when the file is transferred then they wouldn't be able to later get them retrospectively...?!

It can also be stated that you never agreed to your data being sold to the DCA and therefore they no longer have permission to hold your details. Cuts out the 3 letters.

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Re: Debt and New Data Protection Laws

Post by pieintheskywhenIdie on Fri May 04, 2018 10:21 am

GDPR is a bag of worms and everyone is getting het up about it.  Over egging it as well in my opinion, particularly about "consent".   If you look at the actual guidance then what's needed is a "Lawful basis" for handling and retaining the data.  This doesn't always need consent.

So a challenge to debt collectors needs to be targeted, not just on the issue of consent but challenging whether they have any rights under the other grounds.

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Re: Debt and New Data Protection Laws

Post by actinglikeabanker's Ghost on Fri May 04, 2018 10:52 am

I kind of agree with you pieintheskywhenIdie, at first this seemed like a big thing but the more I have looked into it and asked around, it doesn't seem to be as world ending as was being first made out.

For example, my local bank stated that consent 'has to be given' not opted out of. I have also noticed that I have received a number of emails from companies and services I have used recently as well as companies I have used years ago (approx 5 +) requesting me to click on an opt in link to continue to receive their mails.

This isn't the de-facto run down of the whole of what the new GDPR is about as there have been a number of changes recently such as open banking, so for anyone reading this who still has concerns then please continue your own research on the subject.

P.S forgot to add, good post dianne1985, it will be good if this can be used in some way to throw off third party interlopers.

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Re: Debt and New Data Protection Laws

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