krw
2017-02-01 16:44:45 UTC
I cannot remember if I told umra at my recent anxiety when denied a new
credit card on the basis (allegedly) of my credit record and telling me
to contact two credit reference agencies for an explanation of me being
a poor risk (and unlike Snappy I was not looking for £0.25m).
Having obtained the two files I could find nothing to substantiate being
a poor risk.
So I decided to raise my concerns with the credit card provider.
Today I am being sent a credit card. Apparently someone - and they do
not know who - entered my monthly income as my annual income and the
amount was not seen as being adequate to meet my liabilities.
This is notwithstanding that the two reports clearly indicate that the
amount going through two current credit cards each month is more than
the supposed net monthly amount entered.
So the computer said no. Now please give me human beings because
someone should have spotted the discrepancy because it was so large.
And does no-one do a check before sending out letters accusing a
customer of having a poor credit record - which is nasty allegation to make.
And of course they have had to compensate me and cover my costs - which
is my reason for not naming them. And in the scheme of things yes it is
not important - but why cause such upset in the first place?
credit card on the basis (allegedly) of my credit record and telling me
to contact two credit reference agencies for an explanation of me being
a poor risk (and unlike Snappy I was not looking for £0.25m).
Having obtained the two files I could find nothing to substantiate being
a poor risk.
So I decided to raise my concerns with the credit card provider.
Today I am being sent a credit card. Apparently someone - and they do
not know who - entered my monthly income as my annual income and the
amount was not seen as being adequate to meet my liabilities.
This is notwithstanding that the two reports clearly indicate that the
amount going through two current credit cards each month is more than
the supposed net monthly amount entered.
So the computer said no. Now please give me human beings because
someone should have spotted the discrepancy because it was so large.
And does no-one do a check before sending out letters accusing a
customer of having a poor credit record - which is nasty allegation to make.
And of course they have had to compensate me and cover my costs - which
is my reason for not naming them. And in the scheme of things yes it is
not important - but why cause such upset in the first place?
--
Kosmo Richard W
www.travelswmw.whitnet.uk
tiny.cc/KRWpics
Kosmo Richard W
www.travelswmw.whitnet.uk
tiny.cc/KRWpics