Fletch 70 noted your reply but a command window came up on payments section that listed its criteria for the flexi-payment scheme. So, I knew what they have on the webpage was their criteria. Did not miss anything out. But still was declined. I have spoken to many other people in my situation. And it is common knowledge at present in the ethnic minorities sector that the financial institutions are deliberately targeting ethnic minorities from middle to lesser incomes and attaching negative or adverse credit information against them. Even though they have no bad debts against them. Whats worst is that when we make enquiries from 'Official Bodies.' We are getting little or no help. Worst yet we are directed from pillar to post and visa versa. Solicitors tells us to write to the companies and then go to the CAB. The CAB tells us to write to the companies and go to a solicitor or the Financial Ombudsman. The financial Ombudsman. Listens to what we have to say then states they cannot undertake individual legal cases. In the meantime, this is what I got from a solicitor regarding the matter yesterday. “Even if you do have a good case the corporations and can afford solicitors do you really wish to battle the corporations that can tie you up in litigation for years. Do you really want to waste your money in fighting them?” When I wrote to the company itself. It does not come back with something specific it states refer to the credit agencies. The credit agencies give a credit record which is medium satisfactory. But state any problems see the companies. As a former paralegal (retired now). I know that there is a comments page for the companies to make which does not show on the consumers credit report but warns other companies if there is a question against the account. Thats why I approached the solicitors to investigate this. And the reply was the one above. So I say again. Can we have a Uk Erin Brochovich to champion our cause. Because no one wants to go against the corporations who are obviously wrong in this case.

Went to purchase goods at store today. Found that I was declined for "buy now pay later scheme!" I was directed to Equifax Credit Agency. Have been a regular viewer on these Agencies. No notable adverse credit that would make company decline me. Very frustrated as the product I would like to purchase I can actually afford outright. But being a mature person. I prefer to do it the old fashion way so near xmas and with Co-Vid in the mix. But I was declined. I am perplexed. But no one can seem to tell me why I was declined. As Black Live matter. I can only presume it is because I am of ethnic origin. Otherwise the credit criteria is over 18. Yes. Have worked for more than three years. Definite Yes. And are either retired, Homemaker, or working. So, retired Yes. Still working earning over and above the correct amount. Own property mortgage free. So why the adverse rating. As I said of ethnic minority. And being a previous BANK WORKER. I know that they put categories in the Clients records on ethnicity. Supposed to be for Equality Relations survey but I know its not. But why the adverse rating when my history and records show good payers? Even managing to pay off things before due date. anyone any ideas. Would like to find how how to stop this and restore my life back credit wise.

It was a tv because our old one packed up right before xmas. And I was not prepared to purchase a new one until January sales. So i thought I would purchase it on Buy now pay later scheme. Got declined. Purchased the tv last Friday. One thing about xmas there are a lot of card/board games you can play when not watching tv in the living room. And its an excellent conversation starter. - Lol (we all got one in our own bedrooms though). Just to put the knife in I went back to the shop that refused us so that they could see we could afford it outright we just did not want to so near to xmas. Its a pity we could not have our credit records cleared because someone if definately making us a bad risk. Happy New Year

Hi fkofilee thanks For the info. But its not the credit or lending criteria because I meet all of those. Its the fact that its Lodged with the agencies that give the security checks. Funny thing is when I got home I found they had emailed me and set up an account. But when I looked into it. I was declined. I just want to know who do the uk public see to get these sort of things resolved. As for the product I was going to purchase. I have decided to wait until after christmas and pay it off in one go. Which I would have done anyway. If I had got the credit. Andyorch Please let me know where the post has gone to as I would like to know if there is anyone else out there who has simular problems and how they dealth with it. Hence the posting. Thanks and Merry Xmas (When I know where the post has gone I will make a donation).

I am fuming. I have like most people in the uk. A reasonable credit history or so I thought. Check it regularly. Spouse does accounting. when I go for a Hire Purchase agreement and get turned down. Despite my desposit being 1/3 third of the cost of the goods. I am fuming. I have had payday lenders and loan companies offering me assistance because of how good I am at paying. I am employed and own homes. So why am I being blacklisted by these companies for credit. Credit search agencies and credit scores all have me down as a good risk. Someone out there is determined to make me out to be a bad debtor. Its not my bank and its not my Savings so how do I get rid of this? I tried approaching solicitors but they say that unless I am willing to pay them over £350 per hour they will not help. And even if I could manage that they do not deal with such matters and refer me to the CAB. The CAB refers me to them and Credit Agencies who have stated that there is nothing on their end. But I have heard there is an additional information file that the Credit Agencies show only to their Business Clients and not to regular consumers and that there must be somthing on that which has been placed by a Business. I do not owe any businesses except for utilities and they are the first to say I have an ongoing direct debit payments system. They are happy with. I am writing to ask how many other people out there are experiencing a blacklist on credit when they do not owe anything? And please tell us who to approach to get this sorted. As if we are going over to a credit system in future. This proves that if we upset these so called businesses (even if they are proven wrong in court), they can restrict and possibly bankrupt us by just putting libel and slander online and on credit Agencies Sites. Who do we go to see to clear it?

PIX_el 92 When making a purchase most places won't ask for DOBs etc when it comes to taking the payment, those details are asked when you are signing up for an account that the purchase is taking place on, these are used for marketing and advertising, "Oh it is your birthday, enjoy 10% off" etc. The current system in place when making purchases is secure enough, the issues lies between the chair and computer screen in most instances. PIXel-92 I understand what you are saying but you ARE WRONG ON THIS POSTED PIC OF last page of payment request as you can seem digital signature and DOB enough said. Already signed up for account with other details on accounts profile including cc number so details are already recorded. (much like this site). The attach for anyone reading webpage (they do not necessarily have to see programmers code – as you said one wrong email and false webpage and many people I have spoken to say they have put these details in this section and have either been ‘forced,’ to pay securecode £15 per month for the service after one month (automatically deducted from credit card), or worst someone with this information has “hacked,” into their Bank accounts and withdrew funds. And THE BANKS THAT INSIST ON THIS METHOD have actually said as the perpetrator had their digital signature codes they were liable even though it can be proven that the person (original cardholder), was 180 miles away at the time in a meeting etc. At which point the Banks stated that they gave the company/person authorisation to do so as they had their digital code and DOB. !!!! This is what I am complaining about.docx

PIXel 92. Thanks for the feedback. That’s what I have been trying to say. We OAPs are getting kinda stuck in our ways. We believe that the things places we sign up to are the genuine article. Its not until you youngster explain the dangers to us like your middle man café network that we realise we are not as secured as we thought when shopping. Suddenly having to trapse down to the supermarkets/shops and having to wait ages for a taxi/cab to lug it home with is arduous but simpler as the only thing we might get lifted is our purses instead of our life savings. As for complete nonense seeing watchdog BBC PROGRAM on internet banking. Uk. Or Rip of Britain Tv Program Season 9 Episode 2 with Gloria Huniford, Angel Rippon and Julia Summerville. They highlighted such internet scams and fraudulent access to monies via online websites and [problematic] telephone calls . I am not technically minded but its not impossible it is being done and we OAP’s (who believe that Tv news is all real) are getting ripped off. All I am saying is that we seem to be giving too much personal information over the internet for retailers just to sell us their wares surely there is an easier and more secured way to do this? By the way. In the end telephoned retailer to ask if I could bypass securcode thing. They sent a representative to my door. Who said that she is aware of the problems we oap’s have been having. I’m not the only one and she was happy to take the order . Now awaiting delivery. BBC Rip Off Britain link.docx

Sorry guys as I said in the beginning i'm an OAP so I still remember the Dolls Eye Switchboards (thats how old I am with tech). But as to the above sorry guys not an exaggeration. Have a friend on the force. Worked all over the world tech wise. Showed me on a laptop not a mere 15 houses from mine how easy it was for them to track and copy what webpages I went to. I am not saying securcode is easy to get into but basic hackers can read with digital readers (the kind they use on ATMs to copy card pincodes), what we put on our supposedly secured webpage. Anyone know there is now a lock indicator on webpage browsers. These are not always grey locked (this site is grey). But as I understand it, the lock should be green. So webpage hackable I'm afraid. As I said DOB and digital signature as they call it. Should not be given if you have already supplied and given your name and address. Oh and as for the other stuff see latest from Watchdog/Which Uk on Cashplus and Nat West even they admit failures on this. But well worth noting that they have bloggers who empatically deny this but the banks still charge the victims to pay back whats been stolen off them! Maybe old but hopefully not senile yet

Yes I mean that one. We are all aware that hackers can home in on your webpage and see whatever you put into those Boxes e.g DOB and digital signature that we keep on our password Database. This with the name and address on the Billing is a mecca for ID Fraud and using the Digital Code we give on the securcore page will give them instant access to our bank accounts. I have had several 'friends,' regale stories of woe and financial disruption due to people being able to get in their accounts after finding out their digital secure codes that the Banks/financial institutions have issued. I have even heard that some hackers will (once they have access to your IP Address - Location), will build up a false page when you pay for goods. This way they are sure to get hold of the details and therefore access to you accounts, which they then transfer funds from. More than this the banks have said to people that it is OUR FAULT because we gave out our digital securecode therefore we gave them authorisation to withdraw, so we are liable for the debt they've incurred against us. We didn't we just tried to make an online purchase!!!! Another site began the App phase of it digital revolution and lo and behold many users could not even access their accounts why because they reckoned that their digital securecode was wrong. They had not changed it the hackers did and therefore anything they did on the false webpage was tracked by the hackers and again transfer of funds seemed to be approved. Although the original account holder was not aware and did not authorise it. In light of this and I have found if we put in our details on securecode it is implied that we give immediate consent to having a susbscribed account which costs £15 per month from these people. so as I said. I do not wish to subscribe or give my digital code out to anyone. Bad enough if they get my name and address. Not to mention my DOB. The Police have told me that if I do make purchases over the net I give my name and address and the card details. I DO NOT GIVE UNDER ANY CIRCUMSTANCE MY DOB OR MY DIGITAL SECURECODE. it would be like given the crimminals an open invitation to steal from my account. So why is the M*****Card people making the Retailers insist on having these details to rob us. Could it be that the banks believe if you have money to spend then you should give it to them instead? As they seem hellbent on making you pay for goods that you did not buy enjoy or approve of. It like being done over twice once by the hackers and a second time by the Banks/financial institutions. Effectively we are giving the hackers money to rob us.

I am an internet shopper. As I get older it is more convenient for me to shop online than go into town. (Too many people and oaps slow pace dont mix). when internet shopping came about. I was thrilled. I got my card specifically for the internet. Details I gave were for deliveries etc. Then it started asking my DOB and other Bank Financial Details. Been hacked before so was told by the Police that if you give your name number and address. DO GIVE OUT YOUR DOB AND BANK DETAILS. All neccessary tools for ID FRAUD. why in hades is Mastercard starting to put up this mastercode which can be seen by anyone who hacks a pc. asking for your Cards code, DOB and Digital reference. Which will give any hacker an authorised way into your bank details. Thankfully my card is not linked to my bank. But under the Police Uk guidelines I will not give out my details. Hence I am being told by, Avon cosmetics, Iceland and other stores that I cannot receive the goods because I will not give out those details. Please stop we are giving you too much information as it is and are leaving ourselves opened to be hacked and bank accounts tampered with by iD FRAUDSTERS. anyone else of the same opinion?

Hi new to this. Have bad credit (don't know why). I have checked files nothing unusal. Only went into bank the other day and they were extremely they wouldn't even put us down for an interview (regards loan)? Been banking with them for 12 years now! Want to know if there are any credit repairs negiotiators out there who could help sort out why this is happening to us.