Credit Reference Agencies - Who Really Uses Who?! UPDATE

BugsyBrowne

yeah you and heartsman,about a real person deciding peoples credit files will never work,be to many mistakes

never-in-doubt

star-fire wrote: »

yeah you and heartsman,about a real person deciding peoples credit files will never work,be to many mistakes

steady mate stephane does know what he's on about lol and it did used to work fine here in the UK...... less automation and more human interraction goes a long way

never-in-doubt

PROLIANT wrote: »

Robert De Niro in the 1976 movie Taxi Driver

You weren't even born then mate - but classic film......

Was watching the star chamber last week - if only rough justice was dished out - eehehhhh pure heaven! :rotfl:

BugsyBrowne

what stephane is a he,nid surly mate that would never work though

stephane_2

star-fire wrote: »

yeah you and heartsman,about a real person deciding peoples credit files will never work,be to many mistakes

Trust me I know the French system in & out and it has been working just fine for them. Am not saying that if implemented here again he would work but people would be far less exposed to debt issues.

never-in-doubt

star-fire wrote: »

what stephane is a he,nid surly mate that would never work though

Mate stephane is alright - lol, you gotta stop being so hard on people - he has a valid point in that it used to work here, the days when you went and spoke to your bank manager who used to determine the credit you could obtain - put it this way, lot less personal debt then - than there is now.

In europe the levels of personal debt are a fraction of ours, cos we're all automated and a computer constantly makes wrong decisions - a human checking through your payslips doesn't make mistakes.....

see what i'm saying?

Stephane has first hand experience so knows what he's on about - we can only assume how it works...

BugsyBrowne

yeah suppose i am 70/30 on that one!!

never-in-doubt

star-fire wrote: »

yeah suppose i am 70/30 on that one!!

lol, mate you're a nightmare at times (in a nice way) :rotfl: :rotfl: :rotfl:

CannyJock

never-in-doubt wrote: »

In europe the levels of personal debt are a fraction of ours, cos we're all automated and a computer constantly makes wrong decisions - a human checking through your payslips doesn't make mistakes.....

Think there's more to it than the decision making system alone. I could very easily provide all the evidence needed to get an obscene amount of credit for stoozing if all I had to do was produce paperwork. Hopefully there's a cultural factor, maybe not a million miles away from "how things used to be" where people had a different attitude to money and didn't spend way beyond their means without any regard for the consequences.

never-in-doubt

CannyJock wrote: »

Think there's more to it than the decision making system alone. I could very easily provide all the evidence needed to get an obscene amount of credit for stoozing if all I had to do was produce paperwork. Hopefully there's a cultural factor, maybe not a million miles away from "how things used to be" where people had a different attitude to money and didn't spend way beyond their means without any regard for the consequences.

Of course there is more to it than that - its easy to fabricate documents etc but that was a very bland example....

The rest, I entirely agree with you on......