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    • darkh0rse
    • By darkh0rse 15th Oct 16, 4:37 PM
    • 72Posts
    • 43Thanks
    Marks & Spencer created a financial association on a non-joint application
    • #1
    • 15th Oct 16, 4:37 PM
    Marks & Spencer created a financial association on a non-joint application 15th Oct 16 at 4:37 PM

    My girlfriend applied for an M&S Money Credit card in 2014. She got rejected.

    Two years on I have discovered M&S linked us financially from this application.

    M&S replied:
    "When a customer applies for a product such as a credit card with ourselves, we ask if they wish to include their partnerís details in the application. This can assist us in our decision making process. This is not a joint application but does create an association on both of their credit files."

    I am furious. How can they do this? How can an application which isn't joint create a permanent association?

    Is this one for the ombudsman?

Page 3
    • darkh0rse
    • By darkh0rse 20th Mar 17, 8:28 AM
    • 72 Posts
    • 43 Thanks
    It looked better before I cut & paste

    The ICO haven't responded yet either although I did receive the receipt acknowledgement. I've sent them a follow up.
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