View more on these topics

Access to electoral roll to face review

Access to the electoral roll for credit checking purposes is under threat again – just weeks before the new roll is issued.

Credit checks are a major underwriting tool, but a court ruling took the electoral roll out of commercial circulation at the end of last year.

The ban was overturned this summer when Parliament ruled credit reference agencies should be allowed to buy the full register.

Voters can opt out of an edited register that is on sale to any commercial organisation.

But now retired accountant Brian Robertson – who forced the original ban – is seeking a judicial challenge to the new legislation, on the grounds that commercial use of the data violates human rights.

CRAs and lenders face an anxious two months as Robertson battles to win a review before the rules take force in mid-October.

Gillian Key-Vise, head of compliance and data protection at Experian, says: “Mr Robertson succeeded last time precisely because no regulations were in place. Then, the judge found electoral data sales to commercial organisations for any purpose – such as direct mailings – was a breach of human rights.

“The new regulations only allow companies to use the register for defined purposes. Once they are in force the judge will find Robertson has no grounds for a judicial review.”

The annual electoral roll canvass is just starting, and with a new register due by the year CRAs want access as soon as possible.

Recommended

Marlborough Stirling appoints Brian Hall as managing consultant

Marlborough Stirling, a leading supplier of software, services and consultancy to the financial services industry, has appointed Brian Hall as managing consultant to head up its Mortgage Consulting Group. Hall previously owned a management consultancy company, The Hall Partnership. Amongst his many projects, he has provided business strategy development for Ifonline (now Trigold), IT infrastructure […]

Improved fixed rate mortgage deals from the Derbyshire

Derbyshire Building Society is cutting rates on its range of three-year and five-year deals with a three-year fix from 4.89% (5.8% APR). A five-year fix is available with rates from 5.09% (5.8% APR). Both deals are available from Wednesday August 21. Other key features include: – No Mortgage Indemnity Guarantee charge.– Daily interest method of […]

Norwich Union endowment shortfall scandal

Homebuyers who at first believed that they were protected from the endowment failure scandal are now facing a shortfall after all. Many people&#39s homes and retirement prospects are in danger as millions of policies have been sold on the basis that they would raise enough cash to pay off the borrower&#39s mortgage. Two years ago […]

At home with Mortgage Strategy

From Julian WellsCongratulations on your in-depth and informed coverage of the recent Treasury and FSA documents. Over the last two weeks you have demonstrated the true benefit to the market of having a specialist weekly mortgage title. At important times such as these for our industry the timely collation and distribution of the thoughts and […]

Guide cover

Guide: Johnson Fleming produces auto-enrolment checklist

For a job as big as managing the auto-enrolment changes, it’s important to know what has been completed and what still lies in front of you to give you the reassurance that everything is in hand. Getting the planning and project management right at the outset can help you see the path ahead and ensure everyone knows their roles and responsibilities. To help with this, Johnson Fleming has produced a checklist outlining every step that needs to be taken when preparing for auto-enrolment.

Newsletter

News and expert analysis straight to your inbox

Sign up