Can Credit Reference Agencies cross reference Card Payment Details

demonted

Deleted_User said:

demonted said:

It’s not all blocks of flats are automatically “red lined.”  

The Bank described it, as either an entire street, address or post code can be red lined; when too many unpaid orders are made and it’s a tactic used by mail order catalogues.

Whether it just my address or the entire postcode that’s been red lined, I don’t know.

You don't need to know.  Mail order companies don't take in certain customer groups.

It's nothing to do with it being 'all blocks of flats'. 

I never said I needed to know and it only became apparent due to the situation with my Bank Account, although currently, I don’t  know whether it’s only my address, the entire block or the post code; I’m only quoting how the Bank explained it to me.

It not being all flats.... is that not what I said ?

demonted

jjames1985 said:

demonted said:

I am that worried but I’m also worried about going to the Post Office; the risk of catching the Coronavirus and the risk of infecting my elderly parents, who, like myself, both have underlying health issues.

you're going to catch it eventually anyway.  it's not going away and the chance of a vaccine is next to zero.
keep your fingers out of your mouth, nose and eyes and you'll be fine.

I hope not and with at least 32,000 UK deaths within 7 weeks and another 600 deaths overnight, I’d rather not be so flippant. 

There are many families currently mourning the deaths of loved ones, who couldn’t be by their side during their final hours and unable to attend funerals.

Those who do recover, don’t just bounce back like they would after a bout of the flu; in some instances it can take months to completely recover with all kinds of ongoing issues afterward.

Who wants to endure an induced coma, just to breath.

I don’t wish to become infected and endure such an illness, nor do I wish to run the risk of infecting my parents and put them through such a terrible ordeal, which due to their age and underlying health issues, will more than likely result in death, hence my question.

SnowTiger

demonted said:

jjames1985 said:

demonted said:

I am that worried but I’m also worried about going to the Post Office; the risk of catching the Coronavirus and the risk of infecting my elderly parents, who, like myself, both have underlying health issues.

you're going to catch it eventually anyway.  it's not going away and the chance of a vaccine is next to zero.
keep your fingers out of your mouth, nose and eyes and you'll be fine.

I hope not and with at least 320000 UK deaths within 7 weeks and another 600 deaths overnight, I’d rather not be so flippant. 

There are many families currently mourning the deaths of loved ones, who couldn’t be by their side during their final hours and unable to attend funerals.

Those who do recover, don’t just bounce back like they would after a bout of the flu; in some instances it can take months to completely recover with all kinds of ongoing issues afterward.

Who wants to endure an induced coma, just to breath.

I don’t wish to become infected and endure such an illness, nor do I wish to run the risk of infecting my parents and put them through such a terrible ordeal, which due to their age and underlying health issues, will more than likely result in death, hence my question.

There hasn't been 320,000 deaths with COVID-19 in the UK within the past seven weeks.  That's alarmist nonsense.

As for a vaccine: HIV has been with us for nearly 40 years.  There's no vaccine or cure.  I wouldn't pin your hopes on an effective COVID-19 vaccine being created.  You will be sitting at home happy clapping the NHS and waiting a long time for one.

'Experts' tell us that, at best, a vaccine is at least twelve to eighteen months away.  I think it's flippant of you to suggest someone should sit at home and not venture out during that period.

The reason we're told to regularly wash our hands is that, according to 'experts', COVID-19 enters the body via the mouth, nose and eyes.  People pick the 'virus' up on their hands and then transfer it to one of those orifices when they touch their face.

demonted

Yeah, my mistake SnowTiger; it wasn’t my intention to be alarmist or type nonsense.

I accidentally added an extra zero.

At the time of writing, I meant Thirty Two Thousand UK deaths 

I’ve corrected it in my original post.

demonted

SnowTiger..... No need to explain how the virus is spread or make comparisons to other viruses.
 I never mentioned anything about waiting for a vaccine either.

I certainly don’t believe I’m being flippant about being fearful of catching this deadly virus & passing it onto my elderly parents.

However, the post by jjames1985, stating we’re all going to catch it eventually and to keep your fingers out of your mouth, nose and eyes was being flippant, thus trivialising my concerns.

With the amount of UK deaths, plus the deaths in Italy, Spain and elsewhere, this virus is serious, deadly serious, we should all be concerned.

However, the mentioning of a vaccine, discussing how the virus is spread & comparing it to other viruses is going off topic; therefore, it’s best to share such comments, opinions and theories on a thread specifically created to discuss the Coronavirus.

hermante

To answer the original question, your bank would not know what you were paying for except that it was a payment going to your council. If I knew you personally, I would have no problem with paying your council tax with my own cards and being reimbursed by you, but I would think it strange that you wanted to do this.

demonted

hermante said:

To answer the original question, your bank would not know what you were paying for except that it was a payment going to your council. If I knew you personally, I would have no problem with paying your council tax with my own cards and being reimbursed by you, but I would think it strange that you wanted to do this.

Thanks for bringing this thread back on track.

It’s not that I don’t want my Bank knowing what the payment is for or who it’s to.

 It’s not wanting to link the redlined address with my Bank Account; from information gathered by the payment recipient, which maybe passed onto credit reference agencies.

Living at an address that’s redlined is on par with being blacklisted.

Before I knew what was going on, every time a credit check was carried out; I was declined and obtaining my credit files never reveal anything that warranted such rejections.

mcpitman

demonted said:

Living at an address that’s redlined is on par with being blacklisted.

You don't live at an address that has been red-lined.
There is no such thing relevant to any banking process.
The issue is that the address you are using does not match the address the CRA's are using, might be worth checking what your official postal address is.

Oh and change bank or advisor if they are telling you the above "red-lining" nonsense. Simply doesn't exist.

To answer your original question. The council won't care where your bank account is registered, just that the bill is being paid.

demonted

If this issue doesn’t exist, why over at least an 8 years period, whenever I’ve applied for a service that requires a credit check, such as a mobile phone contract, store card, electricity account, credit cards or when I’ve had to upgrade my Bank Account, are my applications rejected.
The Bank I’m with now, is a totally different Bank (although since merged) to the Bank which initially identified the issue and used the term “redlining” but initially my application was also declined and only accepted once I provided recent Credit Files from Equifax and Experian.

Since registering all my financial details at the family home, where I’m not even on the electoral register, I’ve never been declined for credit.
It was a Bank, which I had banked with since being a teenager & originally registered at my family home, which first  identified the issues when that account was closed and I had to reapply for a new account; it never caused an issue when I change my address from my parents address to the address of my flat, only when I had to reapply for the new Bank Accounts.

This occurred on three separate  occasion over a period of years with that Bank and also when I applied for my very first credit card, also issue by that Bank, all of which was overturned once I provided my Credit Files.

This isn’t an issue with my Bank and won’t be resolved by changing Banks;  it’s some kind of register against the address of my flat.

However, my initial question was in regard to whether payment account details are collated by the recipients and crossed referenced by Credit Reference Agencies, which in turn, will link my squeaky clean credit file with the address of my flat and jeopardise my Credit History.

demonted

mcpitman said:

demonted said:

Living at an address that’s redlined is on par with being blacklisted.

You don't live at an address that has been red-lined.
There is no such thing relevant to any banking process.
The issue is that the address you are using does not match the address the CRA's are using, might be worth checking what your official postal address is.

Oh and change bank or advisor if they are telling you the above "red-lining" nonsense. Simply doesn't exist.

To answer your original question. The council won't care where your bank account is registered, just that the bill is being paid.

When I first moved into my flat all my existing financial details and agreements were provided with my new address and without issues.
The first issues was with the electricity meter, had to use the existing card meter, they wouldn’t install a pay quarterly meter due to the address; then when my car insurance was up for renewal, the option to pay monthly wasn’t available, at the time, was told that particular policy at that price wasn’t available by instalments, which I just accepted and thought nothing of it; then I was rejected for a new mobile phone contract and a Store Card and with all applications, I provided my current address, date of birth and on the electoral Register.

After further investigation with CAB, I applied for my Credit Files and all my details, including my address and previous addresses were correct and nothing  untoward was shown.
Coincidentally, not long after receiving my Credit Files, my Bank closed my Account and I had to apply for the new Account, which was rejected. When I enquired as to why, I was told I’d failed the credit check. As I‘d already applied for my Credit Files with nothing untoward shown, I mentioned this to the Bank and was asked to bring the Credit Files in, which I did, even then, the Bank asked me to reapply for my Credit Files.

It was only after presenting more recent Credit Report, did the Bank accept my application; it was at this time when I was told my address must be “redlined” and I given the explanation regarding the mail order catalogues.

As I’ve said previously, over a number of years, the Bank made various changes and closed Accounts and on each occasion I had to reapply for the new Account, all of which were rejected, until I provided new Credit Reports.

The same issues occurred with  new Bank Accounts at different Brands, until I provided recent Credit Reports.

Even the Credits Cards I have now, were initially rejected but accepted when I applied using my Parents address.