Disability Discrimination Act 2005

TFD_2

This is my favourite MSE fight yet. It makes me all tingly.

zppp

poet123 wrote: »

Thank you, I hope you are confident of that, and have the legal expertise to back the assertion. And actually, you are the only one who has categorically answered that question. Most people have given opinion, not asserted they were legally correct.

Oh, and you missed a part of the question.....is taking legal advice a waste of time? (cost implication aside):D

No, hence why I stated in post 77 that if the OP thinks they have a case, they should get legal advice. But you have trolled on for another dozen or so posts, which in reality is not going to help the OP.

Why not read before you post?

TFD_2

Theboysmum wrote: »

A catalogue account requires the same credit checking procedure as for any credit facility and goes through the same CRA.

There is a great deal of difference in being employed and being self-employed. The Disability Employment Officer has told him that the chances of him ever again being an employee are almost nil as the difficulties caused by his disability would make him a H&S risk in the workplace which any employer is unlikely to contemplate. She told him that working from home (or not, if he is not well) at his own pace is his best option. When he is fit enough this is what he will do.

I thought a pre-paid card did not build a credit history as you never have to pay off any amounts you have spent but can spend only what you have transferred onto it which does not demonstrate your ability to control your spending or make suitable repayment arrangements.

Wrong. A catalogue account is a lot less stringent. Due to the high APR combined with high product margin, they can accept a high rate of defaults. Benefit scum love catalogues.

Wrong. There are pre paid cards with a fee that is "lent" and repaid. It's designed as a credit building tool. Have a search.

poet123

Fang wrote: »

It won't, but according to the OP he will be self employed in the future and so it will improve the rates that he will get in future applications.;)

Not if his earning potential is limited as it appears it will be by his disability. It will be worse if anything, as he will then have earned income that will perhaps fall below the amount needed, and still they wont take his benefits into account.

Far better to change the status now, either by doing as another poster has suggested (unless the bank has age restrictions in place to be considered retired.)or by forcing a change by another route.

zppp

poet123 wrote: »

Not if his earning potential is limited as it appears it will be by his disability. It will be worse if anything, as he will then have earned income that will perhaps fall below the amount needed, and still they wont take his benefits into account.

Now who's making the assumptions? Hey? :rotfl:

poet123 wrote: »

Far better to change the status now, either by doing as another poster has suggested (unless the bank has age restrictions in place to be considered retired.)or by forcing a change by another route.

Banks don't place age restrictions on customers, it is credit scoring and affordability.

Fang_3

Theboysmum wrote: »

A catalogue account requires the same credit checking procedure as for any credit facility and goes through the same CRA.

Not at all. A JD Williams account is far easier to get than a credit card, and I don't think they ask for income details.

Theboysmum wrote: »

There is a great deal of difference in being employed and being self-employed. The Disability Employment Officer has told him that the chances of him ever again being an employee are almost nil as the difficulties caused by his disability would make him a H&S risk in the workplace which any employer is unlikely to contemplate. She told him that working from home (or not, if he is not well) at his own pace is his best option. When he is fit enough this is what he will do.

I'm self-employed so I am well aware of the difference thank you. You on the other hand don't seem able, or willing to grasp the difference between your many contradictions. Your answers seem to change depending on what questions are asked, or points raised.

Theboysmum wrote: »

I thought a pre-paid card did not build a credit history as you never have to pay off any amounts you have spent but can spend only what you have transferred onto it which does not demonstrate your ability to control your spending or make suitable repayment arrangements.

You are wrong. Perhaps you could spend a few minutes reading Martin's article on them? Or the one on improving your credit score.

I won't hold my breath because no doubt there will be new information forthcoming that will make any of these options unsuitable. Though surely your son should be sorting this?

poet123

zppp wrote: »

No, hence why I stated in post 77 that if the OP thinks they have a case, they should get legal advice. But you have trolled on for another dozen or so posts, which in reality is not going to help the OP.

Why not read before you post?

I am trolling because you dont agree with me?:T very adult.

So, you agree she should take advice, yet you are sure that she has no case? is that your position?

Good, I hope the OP comes back to us again, when she has taken specialist advice.

Op I will try to find you a couple of pro bono clinics and PM the details to you, although you will need to wait until the new term begins(Sept)

poet123

zppp wrote: »

Now who's making the assumptions? Hey?

:rotfl:





Banks don't place age restrictions on customers, it is credit scoring and affordability.

Hardly an assumption, simply common sense, and now confirmed by the OP.

So you know for sure that all banks would accept that you are "retired" at 27 without question? or conversely that they would arrange a mortgage for an 80 year old?

zppp

poet123 wrote: »

Hardly an assumption, simply common sense, and now confirmed by the OP.

So you know for sure that all banks would accept that you are "retired" at 27 without question? or conversely that they would arrange a mortgage for an 80 year old?

As I have stated affordability and credit scroing are what lenders look at. They don't redline people because they are medically retired. I know because I know someone who is in a similar position, and they obtained credit without a problem. They just had to confirm the affordability, as the loan provider was not where they had their income paid into.

I am not against legal advice. It is normal for different solicitors to have different opinons on a case. So if you would like to point the OP to take pro-bono advice, please do so.

poet123

zppp wrote: »

As I have stated affordability and credit scroing are what lenders look at. They don't redline people because they are medically retired. I know because I know someone who is in a similar position, and they obtained credit without a problem. They just had to confirm the affordability, as the loan provider was not where they had their income paid into.

I am not against legal advice. It is normal for different solicitors to have different opinons on a case. So if you would like to point the OP to take pro-bono advice, please do so.

At a similar age?

So, are you implying you are a solicitor?

Are you implying that pro bono advice would be incorrect?