Application for co-op cashminder account rejected!!

Shiku_2

No never asked for them to be registered.....I only became aware of them last month and they have been there since sept 08!! I never realised I could appeal this decision, will get in contact with Credit Ref agencies and have all files sent out to me....

sutton111

Shiku wrote: »

No never asked for them to be registered.....I only became aware of them last month and they have been there since sept 08!! I never realised I could appeal this decision, will get in contact with Credit Ref agencies and have all files sent out to me....

See here.

I would also write to the finance company?

Was it Welcome Finance?

cifpower

Shiku wrote: »

Cifpower this may be a dumb q, but why would you wna use electron to book flights?

If you book a flight with Ryanair or Flybe or the like there are no "card processing" fees whereas if you book with a Visa Debit, Maestro or credit card there are

Shiku_2

dont think it was welcome finance..... unless Fiat offer there finace through welcome finance..... now that u mention it I cannot quite remember, though I did get in contact with the people at Fiat, who sent me roiunbd in circles, im still wating for there 'call back from management at 16.00', 2 months later! BTW, what makes u think it was welcome finance? Are they known for this sort of thing?

sutton111

Shiku wrote: »

dont think it was welcome finance..... unless Fiat offer there finace through welcome finance..... now that u mention it I cannot quite remember, though I did get in contact with the people at Fiat, who sent me roiunbd in circles, im still wating for there 'call back from management at 16.00', 2 months later! BTW, what makes u think it was welcome finance? Are they known for this sort of thing?

Oh yes they are well know.

If you see my previous post with a link to the CIFAS website. This will assist you.

Shiku_2

Very informative info on the CIFAS website..... thanks for that link

Cash_Flow

Shiku wrote: »

Hi thanks for responses.... I do have CIFAS on my account where someone tried to use my address to take out car finance...... would this be reason enough?

No, If a cifas marker has been placed on your credit files due to identity theft the Cifas marker is for your protection.

The only negative effect of the cifas marker is that you will not be able to obtain instant credit approval, any future lenders will seek extra assurance that the credit application is genuine.

ShelfStacker_3

I was declined because apparently information I'd given them was different from information already held about me. Which is weird, considering I've been accepted for god knows what else since then.

sieve

Worth bearing in mind that a CIFAS flag drops off your credit file automatically 13 months after it is put on there as long as the activity that gave rise to it being there has stopped. So it shouldn't trouble you for too long

sutton111

sieve wrote: »

Worth bearing in mind that a CIFAS flag drops off your credit file automatically 13 months after it is put on there as long as the activity that gave rise to it being there has stopped. So it shouldn't trouble you for too long

Not necessarily.

The lender could apply to have the CIFAS marker remain on their file for long than 13 months, if 'they' deem a fraud is still continuing.