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

guli

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.

I disagree strongly. There is a big difference between a citizen, a resident and an ordinaryly resident. Country of domicile for tax purpose has nothing to do with citizenship. Most people cannot choose where they're born, but they can choose where they settle down and lead their life.

We / UK financial institutions should, and do follow HMRC in distinguishing these domicile difference, i.e. via credit file/rating history.

Credit file/rating/history depends on where you reside/pay tax and lead your life (ingoings, outgoings, loans, mortgages, bills, schools, workplace, etc) (of course, excluding those non-doms like Lord Ashcroft, now, he shouldn't be given credit at all, not that he needed it)

ILW

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:

I would not take much notice, if you look at some of his other posts you will see he is a complete dreamer.

guli

star-fire wrote: »

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

Doesn't matter what you are mate, you can still do a runner (the irony to your other post above)

Vodafone_User

HI all, just to let you know i'm actually female, so can we stop all the 'he's'.

ILW

Sorry love.

guli

As regarding to OP, she definitely must be from a Commonwealth country with no restrictions to live in this "land of hope and glory" in order to be a police officer in the UK.

So, perhaps she's from Canada...or Ghana..or Isle of Man, or Australian, or even Tuvalu... does it matter?

There is even a possibility that she has never step foot on his country of citizenship (usually by virtue of parents' citizenship or by where she's born - (jus sanguinis and jus soli)

jw30

http://forums.moneysavingexpert.com/showpost.php?p=31953521&postcount=499

Real dreamer? ha ha

You can see what's in my wallet my point is correct the information from Cameo and Censation are used in making the decision, if like me living in an bad post code and negatively affect your ability to gain those good rates on loans and credit cards.

You live in Wayne Rooney's post code(Prestbury) & you will find your own score is much higher as the people who live there are prosperous

BugsyBrowne

Can't understand your point by showing us your cards,You talking about wayne rooneys postcode you will still be turned down if you have a bad credit report if you lived where he did..
Where mr NID lately he will know..

wayne99

sorry but you are completely wrong about blacklisting, post code profiling etc.

Credit is granted on a number of factors all on the person who is appling.

The only time an address will come into play is: if you are not registered to vote at that address, you have bad debts in your name at that address, or you are financially linked to someone else who may not even live at your address but who has bad credit this will also effect you no matter where you live.

Credit can also be refused based on:

not on the voters role
not lived at current address a long time
not worked for your employer for a long enough time
not held a bank account for a long time
no current credit accounts
bad credit history
late payments generally 1 doesnt have any effect but you cant rule it out
too many credit accounts
too much available credit at your disposal
information from CIFAS and NHUNTER
too many credit applications

blacklisting or redlining as it was also called is a myth, and does not exist, perhaps it did during the war but it doesnt now it is purely based on key factors most are listed above but each lender has there own criteria for lending.

sorry to post another site but look here if you need clarification
http://www.lovemoney.com/creditreport/credit-report-facts-and-fictions.aspx

thanks

BLT_2

Vodafone_User wrote: »

HI all, just to let you know i'm actually female, so can we stop all the 'he's'.

Now he's complaining about the way we refer to him