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What can I do? (think I was irresponsibly approved a credit card)
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Comments
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swingaloo said:You have to have some personal responsibility here. Why spend the money when you know you wont be able to pay it back?0
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Exodi said:I think given that you can get a mortgage with only a couple months payslips, I think it's unreasonable to suggest they should have declined you because you'd 'only' been working somewhere for 2 months before you were fired. In fact, I got my most recent mortgage after having only worked for two months at my current employer!
To stretch the point, you can be dismissed without much effort within your first two years of employment, and I don't think anyone would suggest people shouldn't be entitled to credit before that.
Unfortunately I think you're blaming the lender for the issues caused by being fired. What would you have done if they had declined you? At the time, I'd imagine the money was very useful.0 -
missmisskittyPURR said:Checked their website they said reasons to be declined 'you haven't held your current job for long enough' I don't believe 2 months is long enough at all.1
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missmisskittyPURR said:Exodi said:I think given that you can get a mortgage with only a couple months payslips, I think it's unreasonable to suggest they should have declined you because you'd 'only' been working somewhere for 2 months before you were fired. In fact, I got my most recent mortgage after having only worked for two months at my current employer!
To stretch the point, you can be dismissed without much effort within your first two years of employment, and I don't think anyone would suggest people shouldn't be entitled to credit before that.
Unfortunately I think you're blaming the lender for the issues caused by being fired. What would you have done if they had declined you? At the time, I'd imagine the money was very useful.
I'm not implying you can get a mortgage first job with 2 months payslips, I know this to be true because that's exactly what I did on my current house.
If you now view 2 months as being insufficiently long to be employed, how long would you say is acceptable? Let's remember that someone can be dismissed without much difficulty within the first 2 years of employment.Know what you don't0 -
missmisskittyPURR said:Hoenir said:missmisskittyPURR said:saying they are satisfied thorough, reasonable and proportinate checks were carried out and nothing to suggest irresponsible lending since I have a full time now at the time and my credit was fine.Life in the slow lane1
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missmisskittyPURR said:Altior said:I don't know how the lender could be expected to have foreseen your imminent firing, if you didn't.
The counter is that if lines of credit were denied to people who had a chequered past employment history, but were gainfully employed in a permanent role when applying for credit, plenty of people would be moaning about that, too.
It doesn't add up does it, as you yourself must have thought you would have the means to pay your liabilities at the time of applying, and declared as such on the application. And your income demonstrated you did, otherwise the application would have failed. Now you are stating that they should have looked at your previous chequered employment history, and foreseen that you might have soon been fired, but you knew about your employment history as well, but applied for credit anyway.1 -
Exodi said:missmisskittyPURR said:Exodi said:I think given that you can get a mortgage with only a couple months payslips, I think it's unreasonable to suggest they should have declined you because you'd 'only' been working somewhere for 2 months before you were fired. In fact, I got my most recent mortgage after having only worked for two months at my current employer!
To stretch the point, you can be dismissed without much effort within your first two years of employment, and I don't think anyone would suggest people shouldn't be entitled to credit before that.
Unfortunately I think you're blaming the lender for the issues caused by being fired. What would you have done if they had declined you? At the time, I'd imagine the money was very useful.
I'm not implying you can get a mortgage first job with 2 months payslips, I know this to be true because that's exactly what I did on my current house.
If you now view 2 months as being insufficiently long to be employed, how long would you say is acceptable? Let's remember that someone can be dismissed without much difficulty within the first 2 years of employment.0 -
You asked this question on reddit a couple of days ago and, not liking the answers, deleted it. The answers you are getting here are the same.5
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Sounds more like irresponsible borrowing to me. You spent the money and now you have to pay it back. If you are struggling then maybe the lender can offer some for, of support with this but I don’t think they are obligated to.
You said that when you got fired from your job that you used the card for your daily finances? So the card at the time was of use to you? What would you have done if you didn’t have the card at the time?
is there any particular reason why you haven’t been in employment for four years? Or attempted to address this before now?0 -
fatbelly said:missmisskittyPURR said:So I applied for a credit card in 2021, I was employed for 2 months at the time (and job before that was employed 3 weeks left to go to that job, and before that I was unemployed for 6 months and all jobs before were temps) and I was approved and the next month after I was fired, so naturally I used the card to stay on top of finances and I have been stuck in this rut since.Years later now, trying to sort out of my finances, I realised I probably shouldn't have been approved for a credit card since I didn't have a stable income at the time, having only worked there was 2 months. So I complained saying I would like a payment plan, or a reducation in interest etc and they sent their response back saying they are satisfied thorough, reasonable and proportinate checks were carried out and nothing to suggest irresponsible lending since I have a full time now at the time and my credit was fine.Checked their website they said reasons to be declined 'you haven't held your current job for long enough' I don't believe 2 months is long enough at all.They basically said at the end of their email to go to financial ombudsman if I want to fight it.
Do I have a chance? What can I do?
You now need to escalate it to FOS. There is no cost, no downside to this.
The process is set out here
https://debtcamel.co.uk/refunds-catalogue-credit-card/
Affordable lending claims go through the same route. You first complain to the lender, get their final response, then escalate it to FOS.
Did you get any limit increases or did you miss payments? If so, you might have a case, if you simply got the card maxed it out but made minimum payment then possibly not. However only FOS now can decide.0
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