Bad credit, why?

And the answer is Yes. The onus is then on the merchant to prove that there was authorisation.

"Terry Harper" wrote

(1) Isn't a "CC" a *credit* card? We're talking *debit* cards here (see above);

(2) Even with a CC, they can only continue to take further amounts if you agree to a *continuous* payment authority (not one-off);

(3) ... and no, I haven't!!

"Alex Butcher" wrote

Who mentioned an ISP in this thread before??

"Alex Butcher" wrote

There are a number of cases of card fraud, taking money not belonging to them. Doesn't make it the "norm", or legal.

I did, when I originally gave an ISP subscription as an example of where this might happen. I've also remembered the jargon for it; "continuing authority" and that it applies to credit cards also. The difference with a credit card, of course, is that the card issuer will get involved in any such dispute.

Googling the newsgroups for ("continuing authority" card) throws up the kinds of cases I'm thinking of.

Best Regards, Alex.

I doubt whether the process is any different with a debit card. They just process it as a "card holder not present" transaction. It happens with hotels, restaurants, car rentals, and probably many other establishments.

All Experian willl have been telling the bank is:

1) They see no (or little) history relating to you 2) You are not (or have not been on for very long) on the electoral role

Neither of the above statements would be incorrect. They are just telling the bank what they know about you which is very little. Would you lend money to someone you know little about?

Your best course of action is to start to build yourself a credit history. See

for further details and advice. Also Experian offer a

30 day unlimited free trial of their Creditexpert service which will give you full online access to your credit file!

Paul

Oh yes they will. Most larger companies share your payment history with the credfit reference agencies, good or bad! This is where they can work in your favour...

Paul

Which is why the banks use credit check instead - to stop this from happening. You my not be a criminal but others are.

Not being on the electoral role is not viewed as important.

Without a hint of irony, Henning Makholm astounded uk.finance on 05 Aug 2004 by announcing:

In their case, that's because they will assume you're not from the UK and trying to fiddle the 'special deals' on return flights.

Yes. They have to do a credit check because you are asking them for a service which may result in you owing them money.

I'm not sure 'disrespectful' is the right word, but you can expect similarly worded letters if you are unsuccessful with other lenders.

They don't need to. The list of information is publicly available, not least from Experian themselves. It will include your credit history (or lack of), current & previous addresses in the UK, whether or not you are on the electoral register (are you?) etc. Try checking yourself:

Yes there is. Credit reference agencies hold details of all credit applications and accounts held with their members.

It is indeed. If so, you can get it changed.

Indeed. Be thankful the DPA allows such an exception, otherwise it would be 10.

Intimidation? They are complying quite correctly with the law.

No. It is a fee mandated by the Data Protection Act and is considerably less than you would pay to see personal information held about you by any other company.

Obviously it isn't, since they aren't.

Without a hint of irony, Henning Makholm astounded uk.finance on 05 Aug 2004 by announcing:

You don't have to. Having no credit history can be as bad as having a lot of bad debt. Not appearing on the electoral register counts against you. Etc.

Without a hint of irony, astounded uk.finance on 09 Aug

2004 by announcing:

It most certainly is by most lenders.

Without a hint of irony, Neil Pike astounded uk.finance on 06 Aug 2004 by announcing:

No. Only the search will have been registered - not the outcome of the application.

Without a hint of irony, Henning Makholm astounded uk.finance on 06 Aug 2004 by announcing:

Can you lend me 10,000 please? I'll give it you back next year.

Reply to OP The major problem as I see it is that you are not a UK citizen. Many Banks today will not lend to you (or issue you with an instrument which could lead to an overdrawn situation eg Debit card) just because of this reason.The branch network is not geared for this BUT have you asked your bank about its Overseas section? For example LloydsTsb has its Overseas club and Worldwide Service. The latter I think is what you should be aiming for if you are earning a good salary of say more than 15000. They have different ways of 'scoring' your suitability for a debit card and other facilities.Your present situation I feel is nothing to do with your creditworthiness. Eric

Without a hint of irony, Henning Makholm astounded uk.finance on 06 Aug 2004 by announcing:

An EFTPOS card, which can be any of a credit, debit or charge card.

Without a hint of irony, "tim" astounded uk.finance on 05 Aug 2004 by announcing:

Up to a maximum of 10, of course.

Without a hint of irony, Henning Makholm astounded uk.finance on 05 Aug 2004 by announcing:

You may not see 'Delta' as it is covered by VISA. You may not see 'Maestro' as it is covered by Mastercard. Switch is not accepted everywhere, but will have been a payment method seperate from VISA and Mastercard where applicable.

Without a hint of irony, Henning Makholm astounded uk.finance on 05 Aug 2004 by announcing:

You'll find that most (all?) major banks offer both VISA and Mastercard (Lloyds TSB do, for instance) and also have debit card products.