RBS Credit search done, didn't click on apply!

never-in-doubt

Brian1966 wrote: »

Clicking on your link..the padlock symbol is indeed present :T

where? not the ssl padlock mate - a padlock on the actual page lol

Brian1966

never-in-doubt wrote: »

where? not the ssl padlock mate - a padlock on the actual page lol

Ooops sorry
Thinking about it though, in December last year whilst playing around on Natwest online banking I went into overdrafts....pre filled pages. Got to stage where you agree to personal info being used but not so far as requesting amount or even declaring income... exited page yet still searched Equifax but not Experian

mabski

'The first principle of ‘good information handling'

This first principle requires that data controllers process personal data fairly and lawfully. Processing covers obtaining, recording, retrieval, consultation, holding,disclosing and use of data. Data controllers must not process personal data unless at least one of the following conditions is met:

- The individual has given his or her consent to the processing;

how does this work when debts are passed onto dca,s
because 1st credit have done a few searches on me yet i,ve never given them the permission or had any agreement with them

Bosie

Brian1966 wrote: »

Ooops sorry
Thinking about it though, in December last year whilst playing around on Natwest online banking I went into overdrafts....pre filled pages. Got to stage where you agree to personal info being used but not so far as requesting amount or even declaring income... exited page yet still searched Equifax but not Experian

Brian, I was the same,didn't realise it would be sending it over to Equifax:eek: I presumed that was at the end of the application. Must stop having my blond moments and check things.

never-in-doubt

Me think this is a Natwest thing and really shouldn't be allowed....... a simple email to the ICO would sort this once-and-for-all...

never-in-doubt

mabski wrote: »

how does this work when debts are passed onto dca,s
because 1st credit have done a few searches on me yet i,ve never given them the permission or had any agreement with them

you would have signed in agreement with the lender and then see in this, it'll have something like ' we can pass and share data between internal departments for marketing and fraud and debt collection'

Thats where they have the right mate. A s.10 to a DCA usually falls on deaf ears.

In this particual case, say RBS - see here: https://www.rbs.co.uk/apps/secure/applicationforms_dda/webpages/rbs/RBS_Info_personal_data.htm

Bosie

never-in-doubt wrote: »

Me think this is a Natwest thing and really shouldn't be allowed....... a simple email to the ICO would sort this once-and-for-all...

I'm sure a lot of folk applying don't realise as soon as you enter your address (s) it's doing a check then. Re-checked my Equifax and definitely a credit check, it's next to my new account Shop Direct Group! Then there are 2 additional address checks.

stclair

It looks like natwest/rbs have changed there website since the other day.

As the application page is now different and now comes with the padlock as mentioned above by NID.

I wonder if the ICO has given them a booty call lol

never-in-doubt

stclair wrote: »

It looks like natwest/rbs have changed there website since the other day.

As the application page is now different and now comes with the padlock as mentioned above by NID.

I wonder if the ICO has given them a booty call lol

Thanks for confirming this, love it when a plan comes together :cool:

See below:

chambta

stclair wrote: »

Im not sure to be honest.

I know they are not very bankcrupt friendly even though theyve been getting goverment handouts left right and centre.

I wouldnt recommend applying for an account online/telephone if you have a poor credit file your better doing it in branch.

As if you do get declined in branch the branch manager has the authority to override the decison. Were as if you do it online/telephone once your declined your declined in most cases.

Not quite. The member of staff, who is extremely unlikely to be the branch manager, has the option to refer on applications that decline to another department. There is no way whatsoever that anything can be done to 'override' the decision.

In the cases of someone answering 'yes' to the bankruptcy question it will automatically decline, however, if the person is discharged from bankruptcy then they should be able to have a Key Account. Occasionally though if someone's post discharge credit file is starting to look a bit messy they may be declined a Key Account too.