Ppi Claims
At the time you felt pressured into taking out payment protection insurance on your loan. The representative from the bank seemed to bamboozle you with facts and figures and to be honest; you didn`t quite understand what was going on. You just wanted the loan because you needed a newer car as the engine on your old one had packed in. However, here you are a number of years later and you feel that an injustice has been carried out. A number of people have been sold PPI in the past and they have made successful claims against the bank that made them take it out in the first place. Enquire about Ppi Claims through a claim management company and you could find that you have a very strong case. You weren`t made fully aware of the facts at the time and there`s a good chance that you were mis-sold the policy. Speak to an advisor about Ppi Claims and you might even find that your policy was full of exemptions and clauses which meant it would have never been paid anyway. Highly experienced PPIs were sold to tons of people and in countless cases they didn`t guarantee to cover loan payments in times of sickness or redundancy. Plenty of people have valid reasons to make the Ppi Claims and you could be one of them.

It seems a day doesn?t go by without a company announcing it has lost or had customer data stolen. TransUnion Credit Agency has now joined the parade of identity theft.

TransUnion Credit Agency

In late summer, TransUnion discovered that over 3,600 consumer records had been stolen from a regional sales office in California. The company indicated the data was stored on an independent desktop computer. The company believes the computer was stolen as part of a burglary, not an intentional intent to steal consumer data.

There are more than a few serious issues with TransUnion?s position and action. First, consumer data shouldn?t be stored on a desktop computer sitting on a desk. More importantly, what is the data doing on a computer in a regional SALES office? TransUnion is supposedly looking into these issues.

Insultingly, TransUnion has suggested the stolen data is not a big deal since the computer is password protected. If TransUnion really thinks a password protected desktop computer is going to keep someone from seeing the data, it should lose its right to do business. A hacker would smirk at that.

Bigger Issues

3,600 consumer records is really a small issue when considering the big picture of consumer privacy issues. It does, however, portend to a bigger problem.

TransUnion is one of the big three credit reporting agencies with Experian and Equifax being the other two. It strikes me that the databases of these three companies must be the Holy Grail of Identity Theft. What happens if someone gets into one of these systems?

What happens if an employee with access to the data gets tempted? Keep AOL in mind. An AOL employee was recently sentenced for selling the AOL member list to spammers. How much do you think a criminal organization would pay for a copy of consumer records in a credit agency database?

A lot.