| CIFAS Compliance Officer Central House 14 Upper Woburn Place London WC1H 0NN CIFAS no longer accept telephone calls from the public www.cifas.org.uk CIFAS "The UK's Fraud Prevention Service" is an organisation of which many financial services companies are members. They share information on the credit arrangements of their clients through three main agencies. See Credit Reference Companies CIFAS do have some useful pages on Identity Fraud via http://www.identityfraud.org.uk/ If you dispute the information help by an agency, you can ask them for information and require that they correct it. See our information on the companies above for more details. If the company which registered that information insists that it is correct although you dispute it, you can complain to that company, to CIFAS, to the market regulator, or (possibly) to the OFT or the Information Commissioner as follows. Get a copy of your file from the credit reference agency, which will show details of warnings and of the companies which placed them. Write to the member organisation that placed the warning on your file and/or who dealt with your application or account. They are responsible for the accuracy of the data. The member will operate its own internal complaints procedure and can either send you details of the procedure or advise you what to do. Keep copies of all your letters, you may need them later. In your letter.. - Ask for the matter to be formally registered as a complaint. - Detail your complaint, listing any address(es) you have lived at or used in the last 5 years and the names of any organisations you have approached for credit or to open an account. - Enclose copies of any correspondence you have received. The member organisation will investigate your complaint and respond to you. If you are not satisfied with this, contact the member again. Write to the Chief Executive of the company a deadlock letter confirming their internal procedure is completed. To take your complaint further, ask CIFAS to investigate. The organisation will contact its member and review the details of your complaint. It does not have the power to recommend financial awards, but will confirm whether the member followed correct procedures. Send the same information as above. If procedures have not been followed correctly, both you and the member will be advised of this. As well as involving CIFAS, you can complain to one of the financial industry complaint resolution schemes. The CIFAS member organisation will advise you of the scheme to which they belong. The schemes are: Consumer Credit Trade Association Arbitration Scheme Factors and Discounters Association Ltd (FDA) Finance & Leasing Association (FLA) Financial Ombudsman Service Gas and Electricity Markets~Office of (OFGEM) Mail Order Traders Association Mortgage Lenders~Council Of Telecommunications~Office Of (Oftel) Each of the schemes uses different procedures to resolve complaints - contact them for details. Some of the schemes are able to recommend financial awards if they find in your favour and against their member. Where you are otherwise unable to resolve a complaint which concerns the operation of the Data Protection Act or the Consumer Credit Act you can seek the involvement of the Office of the Information Commissioner or the Office of Fair Trading. Information Commissioner~Office of the Office of Fair Trading (OFT) |
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