Theoretic question about internatal scoring...

stardust-girl

chambta wrote: »

They are entitled to keep that information as long as they wish.

I thought that would be the case, otherwise how could you order really old statements? i have no problem with it, was just curious!

chambta

stardust-girl wrote: »

I thought that would be the case, otherwise how could you order really old statements? i have no problem with it, was just curious!

New accounts are regularly closed by head-office; some of these will be people who have previously held accounts and the bank think of them as undesirables.

iereboy

Who works in a bank's head office?

I thought it was just senior managers and their secretaries.

What do the people in head office actually do?

I thought they perhaps made decisions on how to steer the bank's overall decisions.

stardust-girl

chambta wrote: »

New accounts are regularly closed by head-office; some of these will be people who have previously held accounts and the bank think of them as undesirables.

Hi Chamta, can you explain this a bit more? I'm not really following the point - are you saying that it is better to stick with your current bank if you are in this situation because you would probably get any new account with a different bank closed once they look into your history? Or that if you opened any new accounts like a saving account or different current account, with your current bank, they might then close it after looking at how you have run your account in the past?

Thank you for your help

stardust-girl

Also the ironic thing is that despite going over my agreed limit and generally taking the mick, the bank account is registered on experian and looks like pretty much the perfect account - all lovely green 0's, no record, not even any 1's. I don't know whether I have just managed to sort it out in time for when they reported to the credit agencies (though I have definitely incurred over-limit fees several times) or whether Natwest have a policy not to report these.

Consumerist

stardust-girl wrote: »

. . . despite going over my agreed limit and generally taking the mick, the bank account is registered on experian and looks like pretty much the perfect account - all lovely green 0's, no record, not even any 1's.

Could be they are hoping you'll move your account and have cleared the credit record to facilitate your departure.:rotfl: