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HSBC application
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adamp87 said:Sgriff90 said:HSBC accounts seem impossible to get. Just applied for one but failed the credit check! I earn three times the basic requirements and have a 999 Experian credit score. Customer service India just refuse to discuss reasons and when I say you have received fraudulent information the phone always goes dead soon afterwards! Why can they be honest with their reasons for rejection?
https://www.thisismoney.co.uk/money/saving/article-1670745/HSBC-moves-jobs-to-overseas-call-centres.html1 -
Sgriff90 said:HSBC accounts seem impossible to get. Just applied for one but failed the credit check! I earn three times the basic requirements and have a 999 Experian credit score. Customer service India just refuse to discuss reasons and when I say you have received fraudulent information the phone always goes dead soon afterwards! Why can they be honest with their reasons for rejection?0
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Deleted_User said:Sgriff90 said:HSBC accounts seem impossible to get. Just applied for one but failed the credit check! I earn three times the basic requirements and have a 999 Experian credit score. Customer service India just refuse to discuss reasons and when I say you have received fraudulent information the phone always goes dead soon afterwards! Why can they be honest with their reasons for rejection?0
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Sgriff90 said:Deleted_User said:Sgriff90 said:HSBC accounts seem impossible to get. Just applied for one but failed the credit check! I earn three times the basic requirements and have a 999 Experian credit score. Customer service India just refuse to discuss reasons and when I say you have received fraudulent information the phone always goes dead soon afterwards! Why can they be honest with their reasons for rejection?
I suggest you also read up on data laws, Freedom of Information requests are only applicable to public bodies. You can submit a SAR under GDPR for a copy of all your records that they hold but there is no point, you can check your file for free immediately on the 3 CRA reports and see if there is anything wrong. You could also SAR CIFAS on the off chance but in all likelihood, you didn't get an HSBC account as they don't want you as a customer for whatever reason that they will never tell you.making a dishonest representation for your own advantage or to cause another a loss. dishonestly neglecting to disclose information when you had a duty to do so. ... conspiring with others to commit fraud by agreeing to do something which causes loss to a third party.
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The Experian score was obtained because the HSBC customer services team recommend it was obtained so they could see it! So either WillPS is wrong or HSBC. Customer services are just fobbing people off! The evidence for fraudulent material being received is based on not failing every other credit check and bank account application and yes I have done multiple of both recently.0
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Which card did you apply for? The target profiles will be different for different products.0
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Sgriff90 said:The Experian score was obtained because the HSBC customer services team recommend it was obtained so they could see it! So either WillPS is wrong or HSBC. Customer services are just fobbing people off! The evidence for fraudulent material being received is based on not failing every other credit check and bank account application and yes I have done multiple of both recently.
To clarify you are accusing someone of fraud, although it's not clear whom you are accusing of fraud, based upon absolutely no evidence whatsoever other than your interpretation of what HSBC might have or might not have done.
Have you ever thought it may simply be that your recent multiple credit applications makes you look desperate for credit, maybe that's the reason for the rejection.
Whatever happens you will never know, HSBC don't have to have you as a customer and don't have to tell you why they don't want you as a customer.
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They also check Equifax not just Experian. For whatever reason you were rejected they have no demand to accept your application.
best check all your reports in case something is afoot and if not just move on elsewhere0 -
Sgriff90 said:The Experian score was obtained because the HSBC customer services team recommend it was obtained so they could see it! So either WillPS is wrong or HSBC. Customer services are just fobbing people off! The evidence for fraudulent material being received is based on not failing every other credit check and bank account application and yes I have done multiple of both recently.
The fact you have applied for multiple products involving hard credit checks is most likely why you were rejected - it makes you look desperate and thus a higher risk if you keep applying for stuff so lenders are more likely to be hesitant to give you prime credit.1 -
Sgriff90 said:The Experian score was obtained because the HSBC customer services team recommend it was obtained so they could see it! So either WillPS is wrong or HSBC. Customer services are just fobbing people off! The evidence for fraudulent material being received is based on not failing every other credit check and bank account application and yes I have done multiple of both recently.
Go and give your head a wobble, then when you have done that check your credit files and if you feel the information is incorrect, contact the CRA's and raise a query. Only then will you get somewhere.
After that remind yourself with what "fraud" means.
Having worked in Financial Services for a long time, I can assure you that HSBC do not, never have and never will use a mythical "credit score" number.Life isn't about the number of breaths we take, but the moments that take our breath away. Like choking....1
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