I need some help and advice please

Vicki_Y

Hi All

My Dad needs some advice and I said I'd post his message on this forum because you're all so helpful (am also posting it on the Mortgages forum as I wasn't sure which one to use). Basically he can't get a current account, credit card or a loan due to various reasons. Please help:

I could do with some help, I have been turned down from opening a current account by three different banks ( HSBC, First Direct and Alliance & Leicester ) and this morning I learned that I wasn't wanted by a credit card company that had invited me to apply through my trade union but they stated that I didn't earn enough, they didn't get my salary from me and I know that I earn enough ( I earn £27,800 with london weighting + I take home £ 1,360 per month from my fire brigade pension ) I'm told this is the equivilent to earning over 50k per year, I changed my mortgage last July ( it's now £120,000 ) I've not missed a payment, I bought my car on finance fifteen months ago ( £6500 ) I've not missed a payment on that, I'm not behind with any payments ( water rates, poll tax, gas, electric). All my financial problems date back to the time that I came out of the fire brigade, and yes, I did have a problem then including mortgage and credit cards, but I have repayed ALL debts that where incurred and all the financial penalties incurred by those debts have all been cleared. I feel that I have more than payed back all my debts quite literally and I can't understand why no one will give me chance being as I can show that I've pulled myself up by my bootlaces and got back on my feet.

Thanks All!

The_Boss

How long ago were these problems?

I'd also suggest he writes off to Experian and Equifax and asks for his credit reports. Then he can see if there are any problems on there. After he has done so, come back and ask more questions and we shall provide further assistance.

Vicki_Y

Thanks for your reply. His debt problems started around 8 years ago, but he cleared all his debts around 2002/2003.

Any thoughts?

Thanks

The_Boss

Then the debts shouldnt appear on his credit report forms as they disappear 6 years after default.

Definitely get him to order them and tell us what crops up. https://www.creditexpert.co.uk and https://www.equifax.co.uk will tell him how to get them.