Halifax blacklisted Daughter for declining card!

gunsandbanjos

Duncraig wrote: »

She has been told she failed credit check and is not suitable for a Credit Card.
Details have been lodged on Experian and if she pays Experian they will tell her why Halifax deemed her unsuitable for credit card and exactly who Halifax contacted to check her credit worthiness. The fact remains it was HER decision not to proceed. What gives Halifax the right to register her as failing a credit check when it should never have been done in the first place as no application was submitted?

Details haven't been 'lodged' on experian other than to say Halifax have done a credit check.
For her to have got to the point of being told the limit they would offer her they will have done a credit check, whether she then proceeds doesn't erase this.

gunsandbanjos

So no mention of her being "blacklisted" as you put it earlier?

guesswho2000

Duncraig wrote: »

She has been told she failed credit check and is not suitable for a Credit Card. Details have been lodged on Experian and if she pays Experian they will tell her why Halifax deemed her unsuitable for credit card and exactly who Halifax contacted to check her credit worthiness. The fact remains it was HER decision not to proceed. What gives Halifax the right to register her as failing a credit check when it should never have been done in the first place as no application was submitted?

This is confusing. Details of the search will be recorded, not the outcome of said search. The only way this will have happened is if an application was submitted, for this to have happened the T&Cs will have had to have been accepted by the applicant.

No record of the failure will have been recorded on her file, just the search. It won't say accepted or declined. If the account was opened, an account would then show on her file, but the search would still be just that, a search. No other company checking would know what company made the search, nor would they know who issued the card if the account had been opened.

JKSandy

If they provided a credit limit then the application had been made. The search has to be recorded as it is factual. It only remains on file for a year.

Duncraig

It's annoying to find that you ask about a card, decide it's not for you and then get a letter advising you that you failed a credit check even though you did not complete the application. Three credit agencies were used to check her credit but as she's never had credit how could they judge her suitability? At no time were terms and conditions mentioned just the credit limit she was likely to qualify for and as I said earlier she said no thanks and went elsewhere. I listened in to the call in case any input was required from me.

PeacefulWaters

Duncraig wrote: »

It's annoying to find that you ask about a card, decide it's not for you and then get a letter advising you that you failed a credit check even though you did not complete the application.

If she didn't authorise the credit search she should complain.

Halifax call centres are highly scripted though. I'd be amazed if they didn't get authority for the credit search.

Three credit agencies were used to check her credit but as she's never had credit how could they judge her suitability?

Lenders will look at the customer's accounts with them, the answers supplied on the application form and information from the credit reference agencies used. If there is derogatory information from the latter (e.g. arrears, unpaid bills) the mainstream card issuers will decline. If there's no information or only limited detail and the other stuff they know about her isn't up to much then they can reasonably say "no" to the applicant.

At no time were terms and conditions mentioned just the credit limit she was likely to qualify for and as I said earlier she said no thanks and went elsewhere. I listened in to the call in case any input was required from me.

When posting it's best to stick to facts and ask questions around ambiguity or explain any assumptions made.

You used the word "blacklist". Why?

chanz4

PeacefulWaters wrote: »

If she didn't authorise the credit search she should complain.

Halifax call centres are highly scripted though. I'd be amazed if they didn't get authority for the credit search.

Lenders will look at the customer's accounts with them, the answers supplied on the application form and information from the credit reference agencies used. If there is derogatory information from the latter (e.g. arrears, unpaid bills) the mainstream card issuers will decline. If there's no information or only limited detail and the other stuff they know about her isn't up to much then they can reasonably say "no" to the applicant.

When posting it's best to stick to facts and ask questions around ambiguity or explain any assumptions made.

You used the word "blacklist". Why?

she authorised the search when she clicked apply. The op I get the feeling hasn't seen the letter.

gunsandbanjos

Duncraig wrote: »

It's annoying to find that you ask about a card, decide it's not for you and then get a letter advising you that you failed a credit check even though you did not complete the application. Three credit agencies were used to check her credit but as she's never had credit how could they judge her suitability? At no time were terms and conditions mentioned just the credit limit she was likely to qualify for and as I said earlier she said no thanks and went elsewhere. I listened in to the call in case any input was required from me.

Even by starting the application she will undergo a credit check, chances are they will be doing the credit check while she was on the phone.
I don't believe Halifax checked 3 credit agencies, I think they use experian.
A credit check doesn't just check credit, it checks electoral role etc.

Her lack of credit history will account for the low limit.

I think you are (a) blowing this massively out of proportion and (b) not really understanding how an application works.

You still haven't clarified the blacklist statement in your first post.

Lioness_Twinkletoes

Duncraig wrote: »

Sorry meant to add a thank you to Super Han about the Noodle alternative and I'll check that tomorrow

Noddle - not Noodle.

SnowTiger

chanz4 wrote: »

she authorised the search when she clicked apply. The op I get the feeling hasn't seen the letter.

OP wrote:

...applied for a Halifax Clarity card by phone...

However, Halifax would have told OP's daughter that a credit search would be performed on her as part of the application. It's part of their standard script.

OP doesn't understand what they're talking about. The subject of this thread, "Halifax blacklisted Daughter for declining card!", proves that.

OP's daughter will simply have searches recorded by the CRAs. Not a big deal.