HSBC Behaviour score

Meltdown_2

efallai wrote: »

I don't know why but they always seem to give mine to me when I call - but my other half called to find out his ... and they claimed they didn't know what he was talking about

It's all in the voice ...

dellwear

Just ask next time you're in the branch - round here they're o.k. with telling you - just feign interest in a new facility and ask them in that conversation.

efallai

dellwear wrote: »

Just ask next time you're in the branch - round here they're o.k. with telling you - just feign interest in a new facility and ask them in that conversation.

I couldn't have put it better!!

efallai

skyrider007 wrote: »

I asked them for my behaviour score through online banking and this is what I got in reply:



How did you people manage to obtain the score?

I'm no lawyer, but I am almost certain that any data collected on a person (the data subject) must be made aware to them on application (which maybe incurrs a fee). Aside from my NHS job, I'm also a Special Constable and have been made aware of types of information that is not available under the DPA such as information that is held in the interest of national security, or intelligence collected on citizens. I hardly think a two digit number that can tell a bank clerk whether you qualify for a product or not would fall under this. Simply, data is generated and stored against your customer number - a structured filing system...

Meltdown_2

efallai wrote: »

have been made aware of types of information that is not available under the DPA such as information that is held in the interest of national security, or intelligence collected on citizens. I hardly think a two digit number that can tell a bank clerk whether you qualify for a product or not would fall under this. Simply, data is generated and stored against your customer number - a structured filing system...

You would be amazed, perhaps , at the data HSBC can store about you - at least based on their DPA Register entry :
http://www.ico.gov.uk/ESDWebPages/DoSearch.asp?reg=3651470

skyrider007

I am writing a complaint to that Heidi Daniels biatch

PROLIANT

kbw271186 wrote: »

Don't you just love it when Banks lie to you! Apparantly I do not have a behaviour score and I should contact Experian for it! The obviously want me to pay £2 for a credit report when I know my credit is fine! :mad:

Customer service advisors who work in the finance industry and have not got a clue what they are talking about, i think most of the people on here have a better clue.

PROLIANT

Why do people like my self have to grovel and take it up the a**e off banks just so we can have "normal" banking facilities, yes people have past and have missed payments on things but we didn’t do it on purpose, people get made redundant, people get down on there luck sometimes, so what! How did the banks choose there blue eyed boy’s and girl’s before 1998 when credit reference agencies were not even heard of? And as a final thought, why do banks treat there "privileged" account holders facilities like they are diamond encrust? Beyond me, well I have said my bit and had my winged; don’t know what yours guys think.

ShelfStacker_3

It's basically risk and profit, and the two are very linked. Pre-1998, as you say, the banks had no idea of how a customer had behaved previously unless something bad had happened, as IIRC the agencies only stored "black data" (i.e. missed payments, defaults, bankruptcy, CCJs), meaning that a lot of them were operating on a wing and a prayer with regards to new customers. Since then, they've held and provided "white data" as well (i.e. your stream of Us and 0s on your credit report). The banks can therefore now look at someone's history or lack of it to make a lending decision, based on the experience of others. They won't now take much of a risk because it would dent their profits to do so when they have no need to.

No, people don't get made redundant on purpose, but unless you add a Notice of Correction to your file explaining as such nobody will know about it - banks will just see the "1"s and "2"s and think "no bloody way". So if you DO have a legitimate explanation for your missed payments etc then it would be very much worth your while to contact Experian and Equifax to just add a little note to your file to explain your circumstances, which lenders are required to read before making a decision. Like I say, you may have valid reasons for missing payments, but unless lenders know about them there's no way they'll be able to base a decision on that.

HSBC, back on topic, appear to be rather more trusting, basically assuming the best and going on their own experiences with customers for decisions. Hence how people can get decent services off them even without trying.

gt94sss2

skyrider007 wrote: »

I am writing a complaint to that Heidi Daniels

Why?

When she says:

Please be advised that as the credit scoring is both a confidential and internal system I regret we are unable to divulge behaviour scores to customer. This is something that the Bank is not obligated to do under the legislation, including the Data Protection Act.

She is right - the Data Protection Act doesn't cover the release of such information.

efallai is wrong in stating that refusing to release your 'behaviour score' is a breach of the Data Protection Act - its not.. just as when you apply for a credit card, the credit card company don't have to tell you the exact reason if you fail to get one.

Regards
Sunil