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  • FIRST POST
    • T-G-C
    • By T-G-C 11th Oct 17, 5:44 PM
    • 29Posts
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    T-G-C
    Advice for 14 Day Grace
    • #1
    • 11th Oct 17, 5:44 PM
    Advice for 14 Day Grace 11th Oct 17 at 5:44 PM
    Hello,

    So a parent at my address wasn't too happy me getting a 0% card from Aqua and decided to snap it and threw it away.

    They even tried to call Aqua and ask them why they approved me and whether she could cancel it and override my authority.

    Unfortunately there is no chance of me getting a re-sent card as she'll now open all envelopes under my name to check.

    I am 18, a student and have an income that is sufficient to manage the card - I also have a vanquis and capital one card which are also managed responsibly (I managed to sneak those ones without her seeing the letters) I guess luck doesn't strike three times!

    I hear like with most things there is a 14 day window for the credit agreement to be cancelled under law. The card hasn't been used and there's no transactions whatsoever.

    If I cancel within this 14 day window, will they still report the account to the CFA's and what would it show as?

    I'm assuming they can't send my card to another person's address on my behalf for security reasons or is this possible upon request?

    I'm quite gutted as it's the highest limit card I've been approved for so far and it's 0% for 6 months which isn't too bad for an 18 year old with a fairly short credit history. Sadly whilst I'm still living with the grumps I have to put up with their anti-credit policy. I can't deal with more shouting if I get the card re-sent I'd probably be thrown out

    Your advice on the above questions would be great! Thanks
Page 1
    • zx81
    • By zx81 11th Oct 17, 5:49 PM
    • 13,622 Posts
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    zx81
    • #2
    • 11th Oct 17, 5:49 PM
    • #2
    • 11th Oct 17, 5:49 PM
    That's unfortunate circumstances to be living under.

    Yes, you can withdraw from the agreement. I believe the account will be shown as closed - rather than deleted completely. The search would of course remain.

    Either way, nothing particularly problematic at this stage.

    They won't send the card to an address which isn't yours. If you were to apply for a card from your bank, they may send it to your local branch for collection.
    • IAmWales
    • By IAmWales 11th Oct 17, 5:54 PM
    • 1,470 Posts
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    IAmWales
    • #3
    • 11th Oct 17, 5:54 PM
    • #3
    • 11th Oct 17, 5:54 PM
    Is there any reason why you've applied for a third card? If you're looking to build a credit history, two well managed cards are just as beneficial as three, it's the conduct that is important not the number of cards. In fact, get too many and that will start to go against you.

    Also look at other factors that will affect any lending decision, such az being on the electoral roll and having a regular income.
    • Ebe Scrooge
    • By Ebe Scrooge 11th Oct 17, 6:21 PM
    • 3,922 Posts
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    Ebe Scrooge
    • #4
    • 11th Oct 17, 6:21 PM
    • #4
    • 11th Oct 17, 6:21 PM

    Unfortunately there is no chance of me getting a re-sent card as she'll now open all envelopes under my name to check.
    Originally posted by T-G-C
    It sounds like you're living under less than harmonious circumstances But you could try pointing out to her that it is actually illegal - according to the Postal Services Act 2000 - to open mail addressed to someone else.

    You also say "I also have a vanquis and capital one card which are also managed responsibly (I managed to sneak those ones without her seeing the letters)" - how do you go on with the statements being delivered each month ? What if she sees these before you do ?
    I may not know much about art, but I know what I like.
    • SnowTiger
    • By SnowTiger 11th Oct 17, 6:45 PM
    • 3,052 Posts
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    SnowTiger
    • #5
    • 11th Oct 17, 6:45 PM
    • #5
    • 11th Oct 17, 6:45 PM
    So a parent at my address wasn't too happy me getting a 0% card from Aqua and decided to snap it and threw it away.
    Originally posted by T-G-C
    You can arrange to collect your mail from your local delivery office: https://personal.help.royalmail.com/app/answers/detail/a_id/1513/~/can-i-have-my-mail-held-for-collection-from-my-local-delivery-office%3F.
    • T-G-C
    • By T-G-C 11th Oct 17, 7:34 PM
    • 29 Posts
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    T-G-C
    • #6
    • 11th Oct 17, 7:34 PM
    • #6
    • 11th Oct 17, 7:34 PM
    It sounds like you're living under less than harmonious circumstances But you could try pointing out to her that it is actually illegal - according to the Postal Services Act 2000 - to open mail addressed to someone else.

    You also say "I also have a vanquis and capital one card which are also managed responsibly (I managed to sneak those ones without her seeing the letters)" - how do you go on with the statements being delivered each month ? What if she sees these before you do ?
    Originally posted by Ebe Scrooge

    When you're living under the person in question's roof, the law doesn't come into it unfortunately, if I starting reminding her of the law she'll tell me to pack my bags if I don't like her rules

    I have everything statement-wise digitally delivered instead of paper based thankfully. I hope that neither companies send me any letters in future as she'll now open them since the suspicion is higher than ever since seeing Aqua.

    She won't usually check my letters but she knows when there's a card inside, so that's why she opened it today - either that or it has aqua written on the front but I didn't see it as she threw it away before I got home.
    • T-G-C
    • By T-G-C 11th Oct 17, 7:38 PM
    • 29 Posts
    • 4 Thanks
    T-G-C
    • #7
    • 11th Oct 17, 7:38 PM
    • #7
    • 11th Oct 17, 7:38 PM
    Is there any reason why you've applied for a third card? If you're looking to build a credit history, two well managed cards are just as beneficial as three, it's the conduct that is important not the number of cards. In fact, get too many and that will start to go against you.

    Also look at other factors that will affect any lending decision, such az being on the electoral roll and having a regular income.
    Originally posted by IAmWales
    As added a third card because they offered me a fairly good deal for someone with a limited credit history. I wouldn't have exceeded three.
    • zx81
    • By zx81 11th Oct 17, 7:38 PM
    • 13,622 Posts
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    zx81
    • #8
    • 11th Oct 17, 7:38 PM
    • #8
    • 11th Oct 17, 7:38 PM
    She'll have felt the card inside, as they're sent unbranded.

    It's like that you will get letters from the other cards. Rate changes, limit increases, notices of variations, etc tend to be sent by post.

    Not much you can do about it, but just be aware.
    • T-G-C
    • By T-G-C 11th Oct 17, 7:39 PM
    • 29 Posts
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    T-G-C
    • #9
    • 11th Oct 17, 7:39 PM
    • #9
    • 11th Oct 17, 7:39 PM

    Unfortunately they send a letter to your door confirming you've asked for your mail to be held at the service centre. I think that will be very counter-initiative for the person in question.
    • T-G-C
    • By T-G-C 11th Oct 17, 7:43 PM
    • 29 Posts
    • 4 Thanks
    T-G-C
    She'll have felt the card inside, as they're sent unbranded.

    It's like that you will get letters from the other cards. Rate changes, limit increases, notices of variations, etc tend to be sent by post.

    Not much you can do about it, but just be aware.
    Originally posted by zx81

    If she begins to open every single letter that comes through the door with my name, I will definitely start an agreement with Royal Mail to hold them, as that'll be good enough reason for privacy invasion.

    I have to call it fair game today as the card inside the envelope would've been an indicator but she can't start opening all my letters, head of house or not
    • zx81
    • By zx81 11th Oct 17, 7:45 PM
    • 13,622 Posts
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    zx81
    Send yourself a package with a loaded mouse trap in it...
    • T-G-C
    • By T-G-C 12th Oct 17, 11:00 AM
    • 29 Posts
    • 4 Thanks
    T-G-C
    Send yourself a package with a loaded mouse trap in it...
    Originally posted by zx81
    UPDATE:

    It turns out she didn't snap the card nor call Aqua, it was a ploy to teach me a lesson for getting the card without her permission, as its her address.

    I now have the card in possession, but on the condition that I surrender my statement each month, to ensure I am not 'getting into deep water' or spending it on 'non-credit-worthy' purchases like food

    So it's all good now, thanks for the posts above everyone!
    • amfan
    • By amfan 12th Oct 17, 11:07 AM
    • 86 Posts
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    amfan
    Might be worth pointing out to her that any debt you run up whilst living at her address won't affect her credit rating, as it is by the individual not the address. She may be under the misguided belief that you could tarnish her history if you do anything untoward. But from the way you describe it that may well have zero impact anyway!
    • StopIt
    • By StopIt 12th Oct 17, 11:24 AM
    • 1,068 Posts
    • 941 Thanks
    StopIt
    UPDATE:

    It turns out she didn't snap the card nor call Aqua, it was a ploy to teach me a lesson for getting the card without her permission, as its her address.

    I now have the card in possession, but on the condition that I surrender my statement each month, to ensure I am not 'getting into deep water' or spending it on 'non-credit-worthy' purchases like food

    So it's all good now, thanks for the posts above everyone!
    Originally posted by T-G-C
    Change parent, to partner, and that's classic financial abuse.


    I mean, it still is. You're 18, you don't need parental (or spouse!) permission to send anything to an address you live at. Nor does your parents have the right to see your financial statements.


    Now, the counter to this is that you would agree that upon any financial difficulties, you don't turn to the bank of mum and dad, but that's a fair exchange for not having someone controlling something that isn't their right to control.
    • napu2400
    • By napu2400 13th Oct 17, 11:54 AM
    • 15 Posts
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    napu2400
    Eh, they're just trying to teach you good financial habits, and their views on credit cards are a bit old-fashioned. Then again, many people cannot handle credit responsibly, and are better off without credit cards.

    I'd say use the Aqua carefully for a couple of months, pay it off each month and let them see the statements. They'll calm down when they see you can handle your finances.

    Then either get a job or go off to uni so you can move out and be independent.
    • tastyhog
    • By tastyhog 13th Oct 17, 7:28 PM
    • 109 Posts
    • 157 Thanks
    tastyhog
    UPDATE:

    It turns out she didn't snap the card nor call Aqua, it was a ploy to teach me a lesson for getting the card without her permission, as its her address.

    I now have the card in possession, but on the condition that I surrender my statement each month, to ensure I am not 'getting into deep water' or spending it on 'non-credit-worthy' purchases like food

    So it's all good now, thanks for the posts above everyone!
    Originally posted by T-G-C

    grow a back bone and tell your parent to butt out, your financial affairs have diddly squat to do with them.

    you're 18, an adult,if you want to get things on credit you're allowed to.

    if this was a partner doing it you'd be in an abusive relationship, with your partner trying to control you.

    put your foot down now before it get's any worse.

    your parents are stuck in the dark ages, good luck with eventually getting any kind of competitive mortgage without a credit report with multiple long standing well run credit accounts.
    Last edited by tastyhog; 13-10-2017 at 7:30 PM.
    • IAmWales
    • By IAmWales 13th Oct 17, 7:36 PM
    • 1,470 Posts
    • 3,069 Thanks
    IAmWales
    grow a back bone and tell your parent to butt out, your financial affairs have diddly squat to do with them.

    you're 18, an adult,if you want to get things on credit you're allowed to.

    if this was a partner doing it you'd be in an abusive relationship, with your partner trying to control you.

    put your foot down now before it get's any worse.

    your parents are stuck in the dark ages, good luck with eventually getting any kind of competitive mortgage without a credit report with multiple long standing well run credit accounts.
    Originally posted by tastyhog
    To which they may well reply, "Our house, our rules. You know what you can do if you don't like it".

    You don't need multiple credit accounts to get a mortgage, you just need to show a history of well managed accounts. I've never had more than two cards and have taken out three mortgages without any problems.
    • chattychappy
    • By chattychappy 14th Oct 17, 8:25 PM
    • 6,350 Posts
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    chattychappy
    It sounds like you're living under less than harmonious circumstances But you could try pointing out to her that it is actually illegal - according to the Postal Services Act 2000 - to open mail addressed to someone else.
    Originally posted by Ebe Scrooge
    Actually it's not. For the purposes of the Act, mail is delivered once it is delivered to the address (rather than the person) on the envelope. It is then no longer in transit and outside of the scope of the Act, including the offences it creates.

    Of course, there is still the Theft Act 1968 and Criminal Damage Act 1971 if the OP feels inclined to quote bits of law.
    • tastyhog
    • By tastyhog 15th Oct 17, 8:15 PM
    • 109 Posts
    • 157 Thanks
    tastyhog
    To which they may well reply, "Our house, our rules. You know what you can do if you don't like it".

    You don't need multiple credit accounts to get a mortgage, you just need to show a history of well managed accounts. I've never had more than two cards and have taken out three mortgages without any problems.
    Originally posted by IAmWales

    it's good that you agree that having multiple credit accounts, just like you have is a benefit to getting mortgages.
    • T-G-C
    • By T-G-C 15th Oct 17, 9:08 PM
    • 29 Posts
    • 4 Thanks
    T-G-C
    grow a back bone and tell your parent to butt out, your financial affairs have diddly squat to do with them.

    you're 18, an adult,if you want to get things on credit you're allowed to.

    if this was a partner doing it you'd be in an abusive relationship, with your partner trying to control you.

    put your foot down now before it get's any worse.

    your parents are stuck in the dark ages, good luck with eventually getting any kind of competitive mortgage without a credit report with multiple long standing well run credit accounts.
    Originally posted by tastyhog
    Whilst it would be nice to give a liberation speech since turning 18, when you live under a property in someone else's name, you have to follow their rules or face the door.

    If I put my foot down, they'll be putting their foot on my back and out the front door

    They did give me the card the next day and they lied about snapping it / calling Aqua, but have done it on the condition that I surrender my statement each month - which will be digital luckily - so I might just have to audit the PDF to say what I need to say to keep them happy
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