Halifax blacklisted Daughter for declining card!

dumpyboy

gunsandbanjos wrote: »

Thank you, someone else who knows that blacklists do exist.

I am glad that someone else believe blacklists are out there I have never been able to find how a new bank found details about my credit history from 2007 that had been removed from my credit file

[Deleted User]

If she's never had credit before then a £500 limit is probably reasonable - depending on age, income etc.

There's nothing to worry about but probably best not to apply for a Halifax card for a while - other lenders shouldn't be an issue.

For info - it would have been better for her to have accepted the card, if only to start building up some credit history. This will allow her access to better deals in future and £500 limit is £500 more than she has now.

antonymp

inmypocketnottheirs wrote: »

There is National Hunter.

May I ask what that is?

gunsandbanjos

antonymp wrote: »

May I ask what that is?

http://www.nhunter.co.uk

antonymp

Lazyloki wrote: »

If she's never had credit before then a £500 limit is probably reasonable - depending on age, income etc.

There's nothing to worry about but probably best not to apply for a Halifax card for a while - other lenders shouldn't be an issue.

For info - it would have been better for her to have accepted the card, if only to start building up some credit history. This will allow her access to better deals in future and £500 limit is £500 more than she has now.

That's very true, I was accepted with only a £500 limit back in November of last year and I have just managed to increase it to £1500 last month, 6 months later.

gunsandbanjos

antonymp wrote: »

That's very true, I was accepted with only a £500 limit back in November of last year and I have just managed to increase it to £1500 last month, 6 months later.

Indeed, lenders would be very stupid to take on someone with no credit history who is an unknown quantity and give them a huge limit.

chattychappy

Gentoo365 wrote: »

Individual banks hold lists of people they will not do business with

Yes, sensible commercial practice. I keep a list too (though I generally remember them!). Processing of data has to be fair, but to my knowledge there has never been a ruling on any specific period of time for which it is reasonable to keep such information for.

Gentoo365 wrote: »

The home office (or some department) produces lists of people with sanctions of some kind

Google "FATF PEP" for more on this.

Gentoo365 wrote: »

Fraud prevention companies (NHunter) keep lists of people that have committed application fraud (inc. exaggerations etc)

As I understand it, application details are run past and logged by NHunter and inconsistencies with previous applications are reported back. Not sure if it is a list as such, but it amounts to the same thing.

I ALWAYS keep copies of stuff I put on applications. My status is a little non-standard. I'm self-employed and employed, different "employers" with whom I've been for different periods of time etc. My income varies alot. I won't (+don't need) to lie on application forms, but I do some times have trouble fitting my reality to the questions asked. So I keep a record to avoid putting anything down that might trigger suspicions when compared with previous applications.

gunsandbanjos

Anyone who thinks banks etc. don't have blacklists is very naive I'm afraid.

Anthorn

gunsandbanjos wrote: »

Anyone who thinks banks etc. don't have blacklists is very naive I'm afraid.

There are numerous examples in the media of banks being alleged to keep blacklists particularly the Halifax. But in one case the Halifax compensated someone who had been threatened with it.

Personally I think banks and other lenders would be incredibly stupid to keep blacklists since there are serious legal consequences of doing so. If I found out that I was on a blacklist the very first thing I would be thinking is "damages and compensation".

gunsandbanjos

So you think people can merrily defraud banks and these institutions shouldn't be allowed to have a list of the perpetrators so they don't deal with them again? :rotfl::rotfl: