brokenhome
-
Posts
29 -
Joined
-
Last visited
Content Type
Profiles
Forums
Post article
CAGMag
Blogs
Keywords
Everything posted by brokenhome
-
old midland bank access credit card - removing additional card holder
brokenhome replied to brokenhome's topic in HSBC Bank
It is a while ago but i think i was banking with the Midland (long before it became HSBC) at that time. -
old midland bank access credit card - removing additional card holder
brokenhome replied to brokenhome's topic in HSBC Bank
Tar re thread. Wrong or not, they refused to close the account. They refused to cancel her card. They refused to help me in any way whatsoever. As i said, i even asked a solicitor and she told me i would need to declare myself as bankrupt before they would cancel the card. p.s. it was an Access card NOT AmEx Access "Your Flexible Friend" - certainly to my ex! -
old midland bank access credit card - removing additional card holder
brokenhome replied to brokenhome's topic in HSBC Bank
The card issuer, Access, said not. Or at least not until i had returned her card to them. -
How horrible can some women be! I had a similar with an ex. She had a credit card on my account. When we split up the card company wouldn't cancel it. They said i had to cut it up and return it to them. One day she called at my house and left the card - so i cut it up and returned it. I even phoned them and told them what i had done, again asking them to stop the card. They refused - "until it arrived". My ex made one call, said the dog had eaten the card and they immediately sent her a new card. Naturally they refused to do anything for me. Ditto the police. I was told by a [removed] that my only option would be to declare myself bankrupt. Moral of the story? Be a woman.
-
Since opening this query i have also been in contact with experian, with the same results and i'd forgotten to include contacting noodle. Plus, i said all because experian + equifax + noodle = three == ALL and google had informed me that: In the UK there are three main credit reference agencies – Callcredit, Equifax and Experian
-
"this CRA"? - well, it's actually all of them. "no-one else on the planet is bothering with it therfore whatever they say can have no effect upon your life" - sorry, but if no-one else on the planet bothered with what the credit reference agencies say, then no-one would pay them good money for reports and they would not have a profitable business model.
-
having only info about one account, which i don't use, and then highlighting to me that my score was lowered because i don't use that account .. . yet i shouldn't be bothered / try to change / etc ??? thanks for your time.
-
OMG! how many times do i have to say, my score is arrived at by looking at only one inactive account. the comments specifically state that my score was lowered because of that accounts inactivity. if my other accounts were added, two of them very active and with much larger overdrafts, can't you see that my score must then go higher? plus, the average time i had held my accounts would rocket. my stability would massively rise. both these would positively affect my score.
-
THEY = the people who look at CRA's to decide if you are credit worthy; increasingly for id purposes (including HMRC); etc. Seriously, do you really not know who might reference CRA data?
-
why? cos the only account they do show i don't use - therefore they think i don't use any bank accounts! so what does that make me? some sort of cash in hand cowboy? someone who clearly can't be paying tax (through the account they know about). or worse! and how might not having the accounts i do use, far "better" accounts. much bigger accounts, high transaction accounts, not affect my credit score adversely? and the accounts have been constantly used! never not used. even for short periods. yet the account they do show has never been used ...
-
ok, but i didn't. i have, very rarely, used a little of my overdraft but only until i noticed - a few days max! Why ditch / hide / ignore / whatever, perfectly good, used almost daily, average more then one transaction per day, always in credit, bank accounts?
-
But they are not debts. They are four bank accounts at RBS (plus another two at First Direct). Why should details of currently active bank accounts (two of them producing 4 or 5 pages of transactions every month) be totally ignored? If i used those six accounts to destroy the worlds entire financial system would they still not show on my credit report?
-
I'm really not with this. they have deleted all the bank accounts i use, even though they have regular money going in, direct debits and standing orders simply because i've had the accounts a long time. Yet they keep a record of an account i don't use simply because it's newer? Won't that give the (credit) impression that i live off nothing but air?
-
The ONLY bank account they have a record of is one that i don't use (it's a backup). As far as they are aware, i effectively live totally cash in hand. Also, why on earth would a CRA have an account with NatWest but not RBS? Or First Direct.
-
After my previous post, i tried to join Noodle ... any suggestions please? This email sent to Noodle: i have just tried to join noodle but was rejected because i replied to one of your questions incorrectly. N.B. i am NOT asking you to tell my WHY you rejected my application! You asked who i opened a credit card with. As far as i'm concerned, i had opened a particular store card and the card did indeed say the stores name on it. However, you clearly wanted the name of the money behind that stores card. How is a private individual, i.e. someone who is not a forensic accountant supposed to know this. So i rang them. They told me that they were XYZ Finance. Yet you had two possible replies showing "XYZ" - neither of which was who they told me they were. So i was forced to guess. Now my email is locked in some sort of limbo, i can't re-apply because it's already registered but i can't get in because i never finished the application. Security is one thing but to ask a question that even the card issuer can't answer is just downright stupid! p.s. i am posting this email on the Consumer Advice Group web site - let's see if all publicity is really is good publicity.
-
I noticed that Clearscore didn't show my RBS accounts (my main one's) or my FD accounts. All they were showing was an account i opened at NatWest as a backup in case i didn't like the road RBS took. They sent me to Equifax who asked me for dates. I explained i joined RBS when it was Williams & Glynne - mid 1970's? And FD when it first opened. they asked exactly the same question again (maybe my reply had vanished). i gave them the same reply. Now they have replied saying they have written to NatWest for details of my RBS accounts. Question: 1) Just how stupid are these CRA's? 2) How much do CRA's understand about the financial business and/or Data Protection?
-
My daughter doesn't have a clue where she was two days ago, plus, she doesn't want me to put her boyfriends mothers address down as she's not willing to "ask" her about it. Please don't ask me to explain, she "just doesn't".
-
Council Tax, single person discount query. I am a single parent with three kids (now 20->27) and the two eldest (boys) left home some time ago. Earlier this year I realised that my daughter was spending more nights at her boyfriends house than mine. So I started to keep a record of what nights she spent at my house. On 9 March I wrote to Bolton Council saying she only spent 1 or 2 nights a week at my house & asked how they defined "living at". Quote from their reply: I replied: 29 April they replied: As you can see, I have already told them where she lives "most of the time"; the approx date she moved out and as much as I know about her new addresses. Also: 1) Young girls "share" clothing, so where her "belongings" are, I havent a clue. How am I supposed to know what is her's? Ditto what percentage of them are here, there or where? 2) Surely I have no right to ask anyone about who is registered for Council Tax at their address. 3) I have always given my daughter her privacy - TOTAL privacy! Surely there cannot possibly be any law stating that a father should search through his daughters clothing - that would be totally SICK! 4) Without (illegally) fitting her with a tracking device, I can't see how I could tell them exactly what night's she spends where. It seems to me that they are simply delaying awarding this discount, otherwise why ask questions already answered and why not post me this form when I first wrote to them? What should I do please? Thanks for reading.
-
Online courts could resolve smaller claims
brokenhome replied to Michael Browne's topic in General Legal Issues
No problem here. -
Online courts could resolve smaller claims
brokenhome replied to Michael Browne's topic in General Legal Issues
Isn't the question being asked here effectively the one i asked in this post? The Consumer Forums Legal Forums General Legal Issues ebay (online) justice http://www.consumeractiongroup.co.uk/forum/showthread.php?441452-ebay-%28online%29-justice&p=4694643#post4694643 -
Maybe we, by which i mean all the great helpers at CAG, could / should be involved in shaping this alternative system. At least if people like those at, say, CAG, Which?, etc were involved than there would be a much better chance of getting something half decent. Otherwise i can see some mandarin sitting down with ebay then badly implementing that and we'll end up wishing they had asked ebay & Ronald McDonald to run the system for them.
-
Very true ... but it would be cheap! And what do people want with everything these days? ... For it to not cost them anything !! (Until it's their turn to need it)
-
Two questions: 1) What do we think of Prof Susskind's idea for "ebay" type justice? 2) Do you think that the CAG should be in charge of online justice?
-
Many thanks to all who've read my post, I really do appreciate it. Special thanks to: caro andyorch (individual thanks already sent) Plus the CAG for the amazing site. (I've told my dad to send you some cash) Thanks again everyone.
-
Loudely sings "I'm free. And freedom tastes of reality ..." (cc The Who) Never having done this before, I have asked my (ex-) mortgage company to send the Deeds to me. What does one normally do in these circumstances? (I don't really speak like that).
Latest
Our Picks
Reclaim the right Ltd
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS