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  • Bad Credit - Getting A Bank Account
    Never-In-Doubt
    Many people in the UK donít have a personal bank account. Some of those people find it difficult to open a standard current account with a full function debit card, cheque book and overdraft facility because of either a previous bad credit history or a low credit score due to them not being in full time employment, not being on the electoral register or not owning their own home, for example. To overcome this problem UK banks are obliged to offer stripped down versions of their current accounts without the overdraft, cheque book or fully functioning debit card. These accounts are called basic bank accounts. Many of them still come with debit cards (real time authorisation type) and most of the facilities that the standard accounts pr...
    4th July 2017, 12:05
  • Credit Cards - Ask your own bank first!
    Never-In-Doubt
    If you're thinking of applying for a new credit card, be it your first ever application or your first for a few years since the darker days when you may have had a default registered against you (with the Credit Reference Agencies (CRA's), then it's always best to consider asking your main bank first. Unlike applying with a sub-prime lender, such as Capital One, Vanquis, Barclaycard etc, by applying to your bank you may be surprised to learn that they may well accept you. Of course there are no guarantees and your bank may just say no, however most banks operate a system of internal scoring against all account holders (excluding basic accounts) so regardless that you may still have live defaults or a less t...
    3rd July 2017, 21:43
  • Credit & Fraud Agencies
    Never-In-Doubt
    It's never been easier to find out what information your lenders & creditors are sharing about you with the credit reference agencies. Thanks to some leading Credit Clubs offering free access to your full credit report & credit score, it's now possible to view all the information that each of the three main credit agencies hold about you.

    For full details visit our guide on Credit & Fraud Agencies and see for yourself what information is being held about you!...
    27th June 2017, 20:17
  • Subject Access Request
    Never-In-Doubt
    Subject Access Request
    You would send the Advanced SAR in order to obtain all information that an organisation holds about you (the data subject). You must remember to send the £10 fee so if you have a joint account then make the template into a joint version with both names and both signatures and you'll still only need one £10 fee. Ideally send it Recorded Delivery or at the very least obtain Proof of Postage.


    Dear Sirs,

    Reference: 123456789
    Subject Access Request - S.7 Data Protection Act 1998
    Please supply me with a copy of all information your company hold on me including a list of accounts and details of pa...
    24th June 2017, 21:27
  • CCA Request (s.77, s.78, s.79)
    Never-In-Doubt
    CCA Request (s.77, s.78, s.79)
    You would send the CCA Request to your creditor / DCA with a £1 postal order fee. Ideally send it Recorded Delivery or at the very least obtain Proof of Postage. This template covers all elements of s.77 - s.79 so you can send it regardless if you have a loan (s.77), credit card (s.78) or hire purchase (s.79).


    Dear Sirs,

    Reference: 123456789 I hereby formally request a copy of my Consumer Credit Agreement, pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974). I require that you provide me with a true copy, or reconstituted copy of the credit agreement relating to any account you deem to be mine, together with any other document...
    24th June 2017, 21:21

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