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Vanquis messing up mainstream lending?

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Comments

  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    But their system should have no way of knowing who your creditors are.

    I would query this with Barclays
  • SnowTiger
    SnowTiger Posts: 4,461 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    !!! wrote: »
    But their system should have no way of knowing who your creditors are.

    I would query this with Barclays

    OP has mentioned something about a mortgage. I wonder if they provided Barclays with a full copy of their credit report. Or, perhaps, mentioned they had a Vanquis card.
  • pcoventry
    pcoventry Posts: 52 Forumite
    10 Posts
    SnowTiger wrote: »
    OP has mentioned something about a mortgage. I wonder if they provided Barclays with a full copy of their credit report. Or, perhaps, mentioned they had a Vanquis card.

    Thanks for the replies all - I've not mentioned it but I am going to ask why 6 months ago it didn't matter but suddenly it does. That's the bit that is annoying me right now.
  • Nebulous2
    Nebulous2 Posts: 5,773 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    SnowTiger wrote: »
    OP has mentioned something about a mortgage. I wonder if they provided Barclays with a full copy of their credit report. Or, perhaps, mentioned they had a Vanquis card.

    Or provided a bank statement with a Vanquis payment / DD showing on it?
  • Ben8282
    Ben8282 Posts: 4,821 Forumite
    1,000 Posts Combo Breaker Newshound!
    As others have said Barclays will have no way of knowing that you hold a Vanquis credit card unless you told them
  • worried_jim
    worried_jim Posts: 11,631 Forumite
    10,000 Posts Combo Breaker
    I have both.
  • pcoventry
    pcoventry Posts: 52 Forumite
    10 Posts
    Nebulous2 wrote: »
    Or provided a bank statement with a Vanquis payment / DD showing on it?

    I've always used a secondary bank for all the payments to them. I so far haven't produced any payments to them - but I am meeting the bank again on Wednesday so I will ask what info they have
  • Nasqueron
    Nasqueron Posts: 11,085 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I'd suggest if you want a mortgage and have issues with their credit, find a specialist broker who can get you the right deal, worth their weight in gold

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • wharty
    wharty Posts: 426 Forumite
    If you bank with Barclays then I can only assume they can see who you make payments to. Have they seen your bank statements by looking at your account themselves or have you given them the information previously?
  • pcoventry
    pcoventry Posts: 52 Forumite
    10 Posts
    I no longer have issues with credit - As I said from the start my score was not top on both agencies and also I had 6 years of excellent repayment conduct.

    I've had a Tesco Current account for 4 years and I've just got a massive loan instead of the Mortgage to do what I need - So I will be transferring away from Barclays next week anyway

    Thanks for all your replies but that's the end of my topic.
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