So the same organisation has the right to influence your spending on more than one level - preventing you from getting a mortgage, loan or even a job and at the same time identifying areas where they think you could be persuaded to spend more and selling your information to business that might be interested - potentially encouraging debt among people who their records show are vulnerable. Seems highly questionable to me. ETA that it's not consistent with DP laws, as far as I understand it, to pass on someone's contact details and profile in this way without their prior consent. They may position this from your point of view rather than theirs in an effort to make you buy in, eg 'we would like to send you offers from carefully chosen partners' etc, but the principle is that you have to opt in, or at least not opt out, before they do it. Basically any business that requires you to set up an account before you can make a purchase seems to be trying to do this. Another one that does it heavy-handedly is the JD Williams group, where even if you tell them as you order that you don't want to receive any marketing you automatically get about 15 pieces before it stops. Drives me nuts.