Halifax blacklisted Daughter for declining card!

Thrugelmir

Anthorn wrote: »

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".

A business has no obligation to trade with anyone it doesn't wish to. Nor should they be forced to. That's the reality.

chattychappy

There are numerous example on internet of people believing they are entitled to damages and compensation on the basis of vague references to presumed legal rights and anecdotes they've heard of. The first thing I think about when reading such posts is boloney.

gunsandbanjos

I do tend to laugh when threats of compensation are bandied about.

Anthorn

gunsandbanjos wrote: »

I do tend to laugh when threats of compensation are bandied about.

Prior association and prior knowledge is completely different from a blacklist and that is what I think you are confused with.

But looking back through your posts in this thread, you do not offer any evidence whatsoever that what you say is true. So you will have to forgive me if I don't agree with you.

gunsandbanjos

Anthorn wrote: »

Prior association and prior knowledge is completely different from a blacklist and that is what I think you are confused with.

But looking back through your posts in this thread, you do not offer any evidence whatsoever that what you say is true. So you will have to forgive me if I don't agree with you.

How exactly would people end up on a blacklist other than prior association and knowledge? Do you think they open a phone book and open at a random page to decide who they put on one?

I said earlier I work for a bank and as such it is not prudent to disclose anything I know.

Thrugelmir

Anthorn wrote: »

Prior association and prior knowledge is completely different from a blacklist and that is what I think you are confused with.

You lend your mate £10 and they never pay you back. Then they ask to borrow another £10 at a later date. Common sense applies to many aspects of life.

GingerBob_3

Thrugelmir wrote: »

A business has no obligation to trade with anyone it doesn't wish to. Nor should they be forced to. That's the reality.

Some do. Water Companies come to mind, and I think this also applies to energy providers. Maybe some transport companies as well.

chattychappy

GingerBob wrote: »

Some do. Water Companies come to mind, and I think this also applies to energy providers. Maybe some transport companies as well.

True, and businesses also can't refuse to trade on certain grounds - eg on the basis of race. But I think the general point stands.

Anthorn

gunsandbanjos wrote: »

How exactly would people end up on a blacklist other than prior association and knowledge? Do you think they open a phone book and open at a random page to decide who they put on one?

I said earlier I work for a bank and as such it is not prudent to disclose anything I know.

That's not a blacklist unless it's is to with fraud and we all know or should know that CIFAS exists. Circumstances improve and every lender should know that. Do you think that if you previously defaulted on a loan and paid it off and then you applied to the same loan company they would automatically refuse you without checking on your current circumstances? Well, if you think that then you don't know lenders and you most definitely have never worked for a bank in your whole life.

Lenders view you in terms of just two things, profit potential and the likelihood of you defaulting.

SuperHan

Gentoo365 wrote: »

It is.

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

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

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

Only credit reference agencies don't have 'blacklists'. Other blacklists do exist.

Well yes, I did retract on this. I generalised to the OP's situation - that there is no 'black list' that Halifax would have referred to in relation to the OP's daughter's application.

I'm still not convinced that there are such openly acknowledged blacklists that companies will send letters out saying that they have 'blacklisted' a customer, per se.

But yes, I absolutely appreciate blacklists exist, and as I said earlier, that companies will have lists of people that they don't deal with. They just don't exist in the sense the OP was talking about (i.e. letters don't go out to say you have been added to an ominous blacklist)