Turned down for car finance because I'm not British citizen?

Vodafone_User

Hi

I am not a British citizen although I do have a permanent visa to the UK, have been here nearly seven years and I am in the police force.

I have just been turned down for finance on a car I went to buy on Saturday and have in the last few months also been turned down for credit cards.

I used to work and live in a pub which was apparantly 'blacklisted due to a previous tenant' said the landlord.

Could this be a reason why I am not getting finance, or is it because I'm not a British Citizen? I only have one credit card with my bank (HSBC) which I pay correctly each month.

I'd like any advice to make my credit score better? I'm going to send proof of residency to the credit reference agencies, as told to do on MSE pages, but any other advice would be great. Thanks

woody01

Why would a UK financial organisation give credit to a non UK citizen.
Surely if you want credit, you apply in your own country of status.

BugsyBrowne

woody01 wrote: »

Why would a UK financial organisation give credit to a non UK citizen.
Surely if you want credit, you apply in your own country of status.

Completely agree,should apply for credit in his own country,most credit card applications these days say(must be a british citizen)..

ILW

I would have thought that any lender would worry about chasing the loan if you defaulted and left the country.

Jon_B_2

Also it is a myth that an address can be blacklisted. Credit searches search an individual not an address.

CLAPTON

what do your credit files actually say?

Vodafone_User

Hi thanks for all your replies.

Does anyone know how to overcome this problem? What I can do to make my credit rating better etc? Otherwise this means that everyone in the UK with visa's cant get cars which is strange?

I am a police officer so not likely to skip the country!

jw30

Jon_B wrote: »

Also it is a myth that an address can be blacklisted. Credit searches search an individual not an address.

Your very wrong there it's your post code that matters if your neighbours are late with payments, have ccj's and the like that affects you as much as your own personal account history.

I know I moved into a rented house applied with Lloyds TSB all I got offered was a cash account, checked my own file & it held cifas information on previous occupants who came from poland and hungary.

I had no financial link in fact I never met them. I read all the information saying it's not your address it's you etc etc.

That was back in 2007. I then changed my name by deed poll and moved into another address earlier this year starting again. The new address was a fairly new estate, but only occupied by pensioners until my landlord bought it in 2008.

I wasn't even registered on the voters and got a JD Williams account, waited around a month and still wasn't registered to vote I opened a full account with Barclays Premier Bank account with guarantee card, £250 overdraft, cheque book etc.

One month after that I applied to Lloyds and had just been confirmed on the voters I applied and was offered the top account Premier £250 cheque guarantee, cheque book, again £250 overdraft.

Then earlier this month I applied for an accessory card and was accepted with a £400 limit, and four days account I was approved for a IPHONE mobile contract with Vodafone £45pm.

Anyone who tells you it's on the person is wrong credit scoring is based on a number of factors which all amount to a score, but If you live in a house share/rented house and previous tenants have abandoned the house leaving bills etc you will never get accepted.

In short your post code is the main thing not the person which I found very fustrating as I have perfect 2 year history never being late on anything, but due to my post code I was getting either straight decline or referred then even after sending supporting documents getting declined.

BugsyBrowne

jw30 wrote: »

Your very wrong there it's your post code that matters if your neighbours are late with payments, have ccj's and the like that affects you as much as your own personal account history.

I know I moved into a rented house applied with Lloyds TSB all I got offered was a cash account, checked my own file & it held cifas information on previous occupants who came from poland and hungary.

I had no financial link in fact I never met them. I read all the information saying it's not your address it's you etc etc.

That was back in 2007. I then changed my name by deed poll and moved into another address earlier this year starting again. The new address was a fairly new estate, but only occupied by pensioners until my landlord bought it in 2008.

I wasn't even registered on the voters and got a JD Williams account, waited around a month and still wasn't registered to vote I opened a full account with Barclays Premier Bank account with guarantee card, £250 overdraft, cheque book etc.

One month after that I applied to Lloyds and had just been confirmed on the voters I applied and was offered the top account Premier £250 cheque guarantee, cheque book, again £250 overdraft.

Then earlier this month I applied for an accessory card and was accepted with a £400 limit, and four days account I was approved for a IPHONE mobile contract with Vodafone £45pm.

Anyone who tells you it's on the person is wrong credit scoring is based on a number of factors which all amount to a score, but If you live in a house share/rented house and previous tenants have abandoned the house leaving bills etc you will never get accepted.

In short your post code is the main thing not the person which I found very fustrating as I have perfect 2 year history never being late on anything, but due to my post code I was getting either straight decline or referred then even after sending supporting documents getting declined.

Your talking nonsense mate,if you apply for credit they look at your profile and yours only..nothing to do with previous occupants..

pinkladyof66

jw30 wrote: »

Your very wrong there it's your post code that matters if your neighbours are late with payments, have ccj's and the like that affects you as much as your own personal account history.

I know I moved into a rented house applied with Lloyds TSB all I got offered was a cash account, checked my own file & it held cifas information on previous occupants who came from poland and hungary.

I had no financial link in fact I never met them. I read all the information saying it's not your address it's you etc etc.

That was back in 2007. I then changed my name by deed poll and moved into another address earlier this year starting again. The new address was a fairly new estate, but only occupied by pensioners until my landlord bought it in 2008.

I wasn't even registered on the voters and got a JD Williams account, waited around a month and still wasn't registered to vote I opened a full account with Barclays Premier Bank account with guarantee card, £250 overdraft, cheque book etc.

One month after that I applied to Lloyds and had just been confirmed on the voters I applied and was offered the top account Premier £250 cheque guarantee, cheque book, again £250 overdraft.

Then earlier this month I applied for an accessory card and was accepted with a £400 limit, and four days account I was approved for a IPHONE mobile contract with Vodafone £45pm.

Anyone who tells you it's on the person is wrong credit scoring is based on a number of factors which all amount to a score, but If you live in a house share/rented house and previous tenants have abandoned the house leaving bills etc you will never get accepted.

In short your post code is the main thing not the person which I found very fustrating as I have perfect 2 year history never being late on anything, but due to my post code I was getting either straight decline or referred then even after sending supporting documents getting declined.

You are talking absolute rubbish here mate years ago it used to be done on your house and who was residing in it, you will find that many years ago it changed and it is now on a person not a postcode - :eek: How on earth can it be based on your neighbours not paying their bills i laughed so much at your stupid suggestion i nearly wet myself. :rotfl:

jw30

pinkladyof66 wrote: »

You are talking absolute rubbish here mate years ago it used to be done on your house and who was residing in it, you will find that many years ago it changed and it is now on a person not a postcode - :eek: How on earth can it be based on your neighbours not paying their bills i laughed so much at your stupid suggestion i nearly wet myself. :rotfl:

Clearly showing your lack of knowledge with your comment. If you live in an area such as a ex authority estate where the vast majority are unemployed, house prices, neighbourhood information, census data all play a part in your credit score.

I guess you just didn't know! banks target customers who they will profit from to protect their provisions(profits) incidently that is the amount the bank have to cover in the event that the customer defaults on their agreements.

As it has been proven Your postcode rating can even impact on your credit rating – affecting your ability to get cheap loans and credit.