Not on the electoral roll? You must register to get credit!

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  • TRACYA_4
    TRACYA_4 Posts: 18 Forumite
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    thanks Moggles. i have now posted my details to them with a cheque
  • superscaper
    superscaper Posts: 13,369 Forumite
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    If you can't go on the electoral roll there doesn't seem to be an adequate solution or way around. Putting a notary on the credit report doesn't seem to be enough (and it's only added at the end leaving the electoral roll section still blank). I'd love to know if anyone else has found a good solution or the right wording when they can't get on the electoral roll but doesn't let it affect their credit.
    "She is quite the oddball. Did you notice how she didn't even get excited when she saw this original ZX-81?"
    Moss
  • AmLo_2
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    If you can't go on the electoral roll there doesn't seem to be an adequate solution or way around. Putting a notary on the credit report doesn't seem to be enough (and it's only added at the end leaving the electoral roll section still blank). I'd love to know if anyone else has found a good solution or the right wording when they can't get on the electoral roll but doesn't let it affect their credit.

    I too would be quite interested to know how to deal with this situation. I have permanent UK residency, but as I am not a citizen of the UK, EU, or Commonwealth, I am not allowed to be listed on the Electoral Roll.

    I understand the reasoning behind the deference paid to this credential by the scoring agencies, yet there must be a substantial number of people in a similar position to myself suffering the adverse effects on their ability to secure credit. Surely companies offering credit would be missing substantial opportunities to secure custom from this group of people if there was not another way to confirm the spirit of this requirement, i.e. proving stability in residency?

    If anyone has any thoughts on what I might do in this situation, I would greatly appreciate the advice. Thank you!
  • superscaper
    superscaper Posts: 13,369 Forumite
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    AmLo wrote: »
    I too would be quite interested to know how to deal with this situation. I have permanent UK residency, but as I am not a citizen of the UK, EU, or Commonwealth, I am not allowed to be listed on the Electoral Roll.

    I understand the reasoning behind the deference paid to this credential by the scoring agencies, yet there must be a substantial number of people in a similar position to myself suffering the adverse effects on their ability to secure credit. Surely companies offering credit would be missing substantial opportunities to secure custom from this group of people if there was not another way to confirm the spirit of this requirement, i.e. proving stability in residency?

    If anyone has any thoughts on what I might do in this situation, I would greatly appreciate the advice. Thank you!

    Well I've got no answer to it. So far it still seems to be a yes/no purely based on being on the electoral roll or not, despite a notary with credentials and proof of residency, stability etc. Anything you add or put in seems to be ignored. All they're interested in is whether you're actually on the roll.
    "She is quite the oddball. Did you notice how she didn't even get excited when she saw this original ZX-81?"
    Moss
  • mdr86
    mdr86 Posts: 102 Forumite
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    I'm a student, and I'm currently registered on the electoral roll at my term-time address. On the aboutmyvote website, it says students can be registered at both their term-time address and their home address, but can only vote once, which would be preferably as when applying for credit I can put down my home address (and get online statements) and I can say I've lived there for 13 years rather than 2 months, which as I understand it would improve my chances! However I can't find a form which has the option of saying 'remain registered at term-time address' or something like that, or does that happen automatically and you have to specifically de-register in order to be removed from one address?
  • mdr86
    mdr86 Posts: 102 Forumite
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    No worries, I emailed my home council's elecoral services and found I'm already registered!
    So that's alright.
  • Hank_Marvin
    Hank_Marvin Posts: 267 Forumite
    edited 12 July 2009 at 8:31AM
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    Can anyone offer any advice.
    My new build flat still comes up as the builders site office & my postcode doesnt come up with the royal mail. when will this change as i dont know where to start to change all my details even getting registered with gas/elec is hard work coz my new build flat is still a plot number??

    Aboutmy vote says my postcode is a site office
    Checked with RoyalMail online and they have not got my address matched to my postcode but have numbers 1 & 2 & 4 & 5 and 7 but not me i'm number 6. No number 3 either.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
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    Can anyone offer any advice.
    My new build flat still comes up as the builders site office & my postcode doesnt come up with the royal mail. when will this change as i dont know where to start to change all my details even getting registered with gas/elec is hard work coz my new build flat is still a plot number??

    Aboutmy vote says my postcode is a site office
    Checked with RoyalMail online and they have not got my address matched to my postcode but have numbers 1 & 2 & 4 & 5 and 7 but not me i'm number 6. No number 3 either.

    I had this, basically when you register for council tax and get sorted it will update. It took me about 3 months to notice my address appear on tesco for instance. Some companies update PAF monthly whilst others do it annually so not all will work anyway.

    When you get a new build, usually the land registry will inform local council who will send a street canvasser to the door to check existence and they will then update royal mail. Royal mail also use the official address provided by land regisrty - not the version you may have been told.

    I had trouble with this.... my postal area is in a different counties cos i'm on a border but my phone number is in yet another county so my address version was entirely different to the one the land registry had been using.

    All sorted now but can take 3mths.... you need do nothing.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Hank_Marvin
    Hank_Marvin Posts: 267 Forumite
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    Thanks NID
    Just curious as too why other numbers in the block of flats come up on the royal mail website and mine and number 3 don't??
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
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    Thanks NID
    Just curious as too why other numbers in the block of flats come up on the royal mail website and mine and number 3 don't??

    you'll find that those that are showing were occupied before you? Meaning their details updated faster..... you know with new builds, some people buy from Plot so for instance even though we moved in before our neighbour, his house was always first to show on PAF cos he paid in full before the house was even built..... assuming then, the land registry had ample time to update their records....

    maybe your neighbours bought earlier than you?

    hope that helps.....
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
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