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BankFacts ( 13.10.10.L4 )
Insurance problem checklist (13.10.0.b )
Jersey Construction Council ( 13.12.2.L6 )
Accountants in Jersey / Book- keepers ( 13.10.15 )
Banking in Jersey ( 13.10.10. )
Channel Islands Company Registers and Search Agencies ( 13.13.6. )
Citizens Advice money advice service - ( 13.15.0.L3 )
Clairvoyance / Fortune telling ( 13.11.11 )
Community Savings Ltd ( 13.10.13.L1 )
Company searches ( 13.1.45. )
Cost of Living Index - how to calculate increase ( 13.3.1.L1 )
Credit reference agencies ( 13.3.4 )
Debt Collection Agencies (13.15.5.L1)
Depositors Compensation Scheme-[13.10.12.12]
Fireworks ( 13.13.12.L5 )
Guarantors ( 13.3.4.L1 )
Hairdressers ( 13.11.9. )
Hire Purchase ( 13.5.2.L5 )
Institute of Directors ( 13.13.0. L1 )
Insurance - Miscellaneous ( 13.10.6.L4 )
Jersey Consumer Council ( 13.1.80.L1 )
Jersey Electricity ( 13.14.1. )
Jersey Gas ( 13.14.2. )
Jersey Index of Average Earnings ( 13.3.1.L3 )
Jersey Motor Trades Federation Membership ( 13.5.0.L5 )
Jersey Water ( 13.14.20. )
Liability for Debts / Club Members (13.15.8)
Milk - Doorstep Delivery ( 13.7.1. )
Payment Protection Insurance (PPI) (13.13.1.L7)
Recovering uninsured losses ( 13.10.6.L10 )
Scaffolding ( 13.12.2.L4 )
Scams (13.4.30.L1 )
Tattooing/ Electolysis/ Body piercing ( 13.11.7. )
Unsolicited goods received through the post ( 13.4.30 )
Unsolicited mail / Mail Preference Service / Junk mail ( 13.4.30.L2 )
PDF

Credit reference agencies ( 13.3.4 )

LOCAL INFORMATION

13.3.4

Credit reference agencies

 

Extent:           Jersey

Updated:        27 October 2017

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Words you may need to know

Credit rating – an estimate of somebody’s ability to pay their debts which is based on the way a person has paid back debts in the past eg paid off mortgage, credit or store card instalments

Taken in error – if a decision is made based on wrong information

Set aside – here, cancelled, removed

Judgement – here, decision of a court

Creditor – person who is owed money

Receipt – a written proof that something has been paid

Specific – relating to one thing in particular eg here, a debt for one thing , not an amount towards several debts

Electoral role – having your name on the official list of people entitled (qualified) to vote

 

What is a credit reference agency (‘CRA’) ?

A credit reference agency is an organisation that collects information about people’s credit rating and supplies this information to banks, finance organisations, retailers etc . The information is provided so that if an organisation is going to lend money to someone eg to buy a car, get a mortgage etc  they can make their own decision about whether they think the person will be able to pay back the loan.

Where do credit reference agencies get their information?

Credit reference agencies use Court Judgements to build their files on individuals. In Jersey these judgements are published in the Jersey Business Brief, and are also available for inspection in the Court Registry. This is why it is important to make sure that judgements taken in error are set aside by the Court. The Court Registry is at the Magistrate's Court Union Street, St Helier. It is open during the lunch period.

How long is a judgement held on a 'Blacklist'?

A judgment is kept on record for a period of six years. This is the same as in the UK although a judgement is enforceable for up to ten years in Jersey. If a debt is paid, written proof should be obtained from the creditor and this can be noted on the file.

What happens if the judgement was the result of a dispute?

If the reason for non-payment of money was due to a dispute such as faulty workmanship, it should be possible to ask the CRA to add a note on file to explain this.

 

There are a number of CRA organisations

 

Channel Islands Data Services

This is an On-line credit reference and debt recovery service.

For details see:  www.cidsltd.com

Channel Islands Data Services Limited

PO Box 379

Third Floor

4 Market Street

St Peter Port

Guernsey

GY1 3YZ

Channel Islands

 

Telephone: +44 (0) 481 713050

 

 

 

Credit reference agencies in United Kingdom

Everyone has a right to see their credit files and correct any mistakes. The following companies are based in the United Kingdom. Each have websites with advice on how they can help and what you need to do.

Send each agency a £2 cheque or postal order, your full name and address and date of birth together with a list your addresses for the past six years.

Say that you are applying under Section 7 of the Data Protection Act 1998.

If it contains false information, you can ask for it to be changed.

Letters should be sent to:

Registry Trust Limited

153-157 Cleveland Street

London

England

W1T 6QW

United Kingdom

 

Website:          www.registry-trust.org.uk

Telephone:      +44 (0) 2073800133

Email:             This email address is being protected from spambots. You need JavaScript enabled to view it.

 

Experian Limited

Consumer Support Centre

PO Box 9000

Nottingham

NG80 7WF                            

 

Website:         www.experian.co.uk

 

Telephone :     0344 481 0800

 

http://www.experian.co.uk/downloads/consumer/creditRefAgencyExplained.pdf

 

 

Equifax Ltd

Customer Service Centre

PO Box 10036

Leicester

LE3 4FS                                 

 

Website:   www.equifax.co.uk

 

 Telephone :  0845 603 6772

 

Callcredit Ltd

Consumer Services Team

PO Box 491

Leeds

LS3 1WZ                               

 

Website:   www.callcredit.co.uk                   

 

 Telephone:  0330 024 7579

 

Sometimes credit information may be refused when UK credit reference agencies are not aware that you are on a Channel Islands electoral role. This is because they do not get information about Channel Islands electoral roles in the same way they get details of UK ones.  If you find that your record does not include your electoral role information you can get it added - see leaflet from the Office of the Data Commissioner here.