Areas of Law / Consumer Law

My son applied for a credit card from the bank into which his weekly wage is paid, but was turned down on the basis of information supplied by one of the credit reference agencies. This information showed three other people supposedly living at our address, and the agency finally admitted it was an error. Can I take any action against the agency or the bank?

Presumably your son could now successfully reapply for his credit card, assuming he’s creditworthy in every other way, and there would be no harm done. If he missed out on a never-to-be-repeated offer as a result of the error he would have a potential claim against the agency for negligence under section 31 of the 1998 Data Protection Act. But your story just goes to show that if you’re refused credit you should investigate the reason.

What our clients say about our lawyers

I was very happy with everything about the service I received. Thank you.

A Happy Customer

Read More

About Us

Leading legal advisors, problem solvers – all round good guys! We’re firm believers in a practical, no nonsense approach to law. Forget the jargon, we like to keep it simple – why complicate matters? No stress, no worry, just straightforward solutions to your legal issues. Free legal advice at your fingertips, from the experts to your inbox. is owned and operated by Farleys Solicitors LLP, a member of The Law Society and is regulated in the practice of law by the Solicitors Regulation Authority, Registration No: 484687. Any advice given on this site or in response to any question is only applicable to the law of England and Wales.

Privacy Policy | Terms