Response from Number 10 - Very Dissapointing

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Post by TheMatrix » Fri Dec 05, 2008 5:30 pm
This response is on the number 10 website at

It does not mention anything about Data Protection and the fact that name, address and dob, all information which if it were published elsewhere would result in a big outcry.

The Individual Insolvency Register is a statutory register. It is provided as a safeguard to the public to allow people to make better informed decisions about their dealings with individuals who are bankrupt or subject to an Individual Voluntary Arrangement [IVA]. The register is maintained for the Secretary of State by The Insolvency Service and to assist the public the register is accessible and searchable, free of charge, over the internet.

The Secretary of State is required, by the provisions of the Insolvency Act and Insolvency Rules to maintain the register. It is open for public inspection and therefore would not be entitled to limit commercial access to the register.

A subscription service is available to commercial users, offering the same particulars that are on the public register on a daily download format. The terms and conditions of use are under regular review.

Whilst the publication of a debtor’s particulars is a legal consequence of individual insolvency, the improper use of the personal details of an individual cannot be condoned. Protection is available for the public from unsolicited offers, misleading advice and unscrupulous marketing practices by companies who are taking personal information from the Individual Insolvency Register. Debt Advice Providers are licensed by the Office of Fair Trading [OFT] and must satisfy the OFT when applying for a credit licence that they are a fit person to engage in the activities identified on the licence application before a licence is issued. Once a licence is granted, the licensee must maintain the required standard of fitness. Should this not be maintained, the OFT will decide on the appropriate enforcement mechanism in the light of the facts and circumstances of the individual case, especially the risk of detriment to consumers. Where concerns about conduct are serious, or there are concerns about a person’s integrity, the OFT may conclude that they are not fit to hold a licence and will act to refuse or revoke a licence. Complaints about a Debt Advice Provider may be made directly to the OFT by consumers, other Debt Advice Providers or 3rd party organisations such as Citizen Advice. Complaint forms and complaint evidence checklists are available on the OFT’s website. ... management

Consumers may also wish to complain directly to their local Trading Standards or through Consumer Direct (
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Post by kallis3 » Fri Dec 05, 2008 10:43 pm
This is basically a duplicate of a post furher up, so I shall lock this one.

No point in having two is there?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
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