Is this right??

Billy_two_speakers

churchrat wrote: »

hi all, also posted this on the loans board, but feel more at home here:D
any answers would be great

anyway

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took ds2 down to HSBC bank today to turn his child account into a student account. We were not going after the overdraft but while we were there she said that if he did want it then everyone who lived at his home addresse would be credit checked

is that right?? I thought that an addresse could no longer be "blacklisted" only individuals?? (I know that they will be checking people, but if one is dodgy then thats it, no overdraft for anyone?) and what about people who live at this addresse but are not finacaily linked to my ds2?

do you have to give your permission , or at least apply for a service to allow an institution to credit check your file?

many thanks for your help
churchrat

I think they used the wrong words other than checking him, they can do a broad look at the property and area to see if its has a history

things that might flag up such a look is rented and you have not been there long ?

BT and Telewest have done this type of credit check for years

here is an example of research done into postcode crime areas

http://news.bbc.co.uk/1/hi/uk/8240261.stm

try getting a new credit card in Shildon in County Durham

churchrat

Billy_two_speakers wrote: »

I think they used the wrong words other than checking him, they can do a broad look at the property and area to see if its has a history

things that might flag up such a look is rented and you have not been there long ?

BT and Telewest have done this type of credit check for years

here is an example of research done into postcode crime areas

http://news.bbc.co.uk/1/hi/uk/8240261.stm

try getting a new credit card in Shildon in County Durham

aaaaaaaaahhhhhhhhhh

now that makes a lot more sense

thankyou

sp1987

Natwest do great student accounts, I have never had a single issue with them. Even when I have lost my own card (under the seat of my car, usually!) one arrives promptly and they do not even question it. I think at the moment they offer a free 4gb usb stick and a free 5 year young persons railcard for new account holders, so not to be sniffed at either.

When I went in HSBC to open a student account I was told I would be served after ''some other customers'' in the queue behind me so I promptly turned around and crossed the road to natwest.