Gone BR, Barclaycard are a creditor and opening a Barclays cash card

geministar2008

what is a CIFAS? Keep seeing this. Is this something to do with Fraud?

If so when i accessed my experian credit report in December there was nothing listed in that section of my file.

tigerfeet2006

Yep! it is a fraud marker. Have you checked the other 2 reference agencies as well?

Is it possible that she tried to open another account and not a Cash Account? Has been known.

geministar2008

i saw the screen she was using and it said cash card application.

Can you check the other credit agencies for free? I checked experian on their free 30 day trial.

Why would i have fraud on my account? I havent committed fraud? I opened a lloyds basic account in March last year and had no probs, this was due to entering a DMP. No fraud issues then??

maxmycardagain

gtx wrote: »

maxmycardagain I wasn't specifically aiming my comments at you they were made as a general guide for everyone reading this thread - sorry if you thought they were and if they caused any offence it wasn't intended

me? offended? :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

philnicandamy

geministar2008 wrote: »

i saw the screen she was using and it said cash card application.

Can you check the other credit agencies for free? I checked experian on their free 30 day trial.

Why would i have fraud on my account? I havent committed fraud? I opened a lloyds basic account in March last year and had no probs, this was due to entering a DMP. No fraud issues then??

Nobodys saying you have a fraud marker...it was just a thought most of the banks will check your files for an ID check even though they dont credit check a basic account BUT if something on your credit files dont seem right they'll refuse applicaton.....your on the elecroral role ok? if not thats another reason you may be turned down...most of the other credit agencies will charge around £2 for your files to be sent to you....IMHO I think the person you dealt with at barclays didnt sound like she knew what she was doing..have you been back since & spoke to someone else?

maxmycardagain

philnicandamy wrote: »

Hmm HSBC usually wont take an undischarged BR

List here

well im discharged but at a guess id get thrown out HSBC for just breathing

my photo is DEFFO on thier wall

philnicandamy

maxmycardagain wrote: »

well im discharged but at a guess id get thrown out HSBC for just breathing

my photo is DEFFO on thier wall

Hmm and the disguises didnt help either max!

geministar2008

i will try again at another branch. The girl did have to call the manager in to assist her and called me with the decision 40 mins later as i had to go. She did seem surprised the application had been declined. The only thing she though was the bankruptcy perhaps was not on my file yet and there was a flag that i owed barclays money. She really wasnt thats sure. Wish i could apply online. I did call the new account number but could never get through, always on hold. That way i would have got a paper application and could have sent it off to the main office.

I am on the electoral role yes.

RiverRunDry

tigerfeet2006 wrote: »

dvs have you checked all 3 of the credit agencies to see if you have a CIFAS report on there? Are you on the electoral register?

Hey Tigerfeet

If you are not on the electoral register does it mean you will be turned down for a Barclays account once you are made BR?

I avoided putting myself on the electoral register at the end of last year because I think it is how bailiffs have previously tracked me down.

Thanks......RRD

RiverRunDry

Sorry....I panicked there and asked that question before I finished reading the thread.....patience and all that!!

Seems not being on the electoral register could be a reason for being turned down.

Thanks