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UK financial policies are very weird, and in some cases I'd argue they go against the right for freedom of movement as granted by EU. I guess that doesn't mean
by nextos 10y ago
UK financial policies are very weird, and in some cases I'd argue they go against the right for freedom of movement as granted by EU. I guess that doesn't mean much with Brexit, but still...
I've been working in a variety of EU countries, with no issues at all. In Denmark, I was even able to secure a mortgage within my second week in the country.
I always work for very reputable employers, with long-term contracts. And I have some savings. Well, here in the UK I have had enormous trouble to lease a £100 / month car after 2 years in the country because I did not reach 3 years of credit history.
Most of the heuristics they use are a joke. And illegal. If you have a chat with the Financial Ombudsman, he can probably sort you out.
- mino 10y agoFew months ago I was denied a 10£/month mobile contract (SIM-only) from Carphone Warehouse because of inexistent issues with my credit score. I escalated this to the Ombudsman, just to piss them off for the poor treatment... magically they offered me a SIM and an (half-)apology.
- dogma1138 10y agoI got denied an upgrade by O2 because Equifax doesn't like the fact that I am not registered to vote and I make a 6 figure salary in the UK. I asked why the hell can't I upgrade after I had no problems getting the phone on contract a year ago, got a stupid reply ordered an iPhone 7 from the Apple store and moved to EE. I called Equifax to complain and they told me to send a letter of correction, I told them Amex gave me a credit limit higher than the average take home salary in the UK and they can sod off, I can't believe I've wasted 15 GBP on that fucking report.
- vidarh 10y agoThe UK rules are a side effect of a system where there is no national ID number that is considered acceptable for identification purposes, and no national register of where people live, which makes it very easy for people to run away from debts etc.. The various id requirements and 3-year credit history expectation are basically workarounds for this.