Reply to: Car Finance Fraud? Question

[Incognito]

Once again, the term 'blacklisted' does not exist. You are 'approved' or 'declined' for credit, that's all. BTW, you can't sue for being declined, unless that's an infringement of your 'human rights'

PS Are you oracleslave in disguise?

The only way a finance company could know about another persons transgressions are if they're linked into your history in your personal credit file or unless the other person had defaulted against that finance company.

You will be scored on your own personal credit file. If your personal credit file has details of someone elses defaults or CCJ's that affect your credit score you are quite within your rights to consider those statements libelous and sue for damages as long as you can quantify your loss (higher interest rates, etc).

Blacklisted looks like a term to me, tit.

[The Lone Gunman]

<TLG in Back peddling frantically mode>

absolutely.

[Diver]

BTW. That was a joke. I couldnt possibly advocate breaking the law in such a way.

<TLG in Back peddling frantically mode>

[The Lone Gunman]

As he is leaving and seems to be running up some large debts why not apply for a couple of credit cards in his name, max them out and then tell the bailiffs he has done a runner owing loads. Tell em he owes you rent too. Tell em you will have to change the locks as someone is picking up his mail and must have a set of keys.

BTW. That was a joke. I couldnt possibly advocate breaking the law in such a way.

[Dow Jones]

Once again, the term 'blacklisted' does not exist. You are 'approved' or 'declined' for credit, that's all. BTW, you can't sue for being declined, unless that's an infringement of your 'human rights'

PS Are you oracleslave in disguise?

[Incognito]

What you say is true in theory - not in practice though. More likely to be declined if such occurs.

Don't talk tulipe. Any party that blacklists a property is leaving themselves wide open to be sued for damages.

[Dow Jones]

Wrong answer caller. Guess again.

Linky

What you say is true in theory - not in practice though. More likely to be declined if such occurs.

[Incognito]

Having said that, if anyone gets blacklisted against a property address, it makes it even harder for the next occupant to get credit.

Wrong answer caller. Guess again.

Linky

[Diver]

As he is leaving and seems to be running up some large debts why not apply for a couple of credit cards in his name, max them out and then tell the bailiffs he has done a runner owing loads. Tell em he owes you rent too. Tell em you will have to change the locks as someone is picking up his mail and must have a set of keys.

[The Lone Gunman]

As he is leaving and seems to be running up some large debts why not apply for a couple of credit cards in his name, max them out and then tell the bailiffs he has done a runner owing loads. Tell em he owes you rent too. Tell em you will have to change the locks as someone is picking up his mail and must have a set of keys.

[Dow Jones]

Not your problem

Am i missing something here? If he sells the car, he can pay off the finance ... presumably.

He may not even be able to do that if it is listed with outstanding HP.

Afraid none of your business Diver, all a landlord has to do before a tenant leaves is to check any outstanding utility bills and council tax and deduct those from the deposit, as in most cases you are not likely to get a forwarding address.

Having said that, if anyone gets blacklisted against a property address, it makes it even harder for the next occupant to get credit.

[Diver]

Am i missing something here? If he sells the car, he can pay off the finance ... presumably.

Yeh! never thought of that!!!

He'll pay off the finance just before moving out

Of course the finance settlement will only be a little higher than what he gets for the car

[FiveTimes]

Am i missing something here? If he sells the car, he can pay off the finance ... presumably.

You are missing loads... he could easily have it shipped over to Cyprus/Malta and sell it for good cash. Default on the finance and run away with the dollars

[FiveTimes]

you know his name and your property address - apply for his credit record and a code will be sent to your property. Either sneak in and get the post, or have it re-directed.

Or you could just mention it to the local fuzz

[ChimpMaster]

Am i missing something here? If he sells the car, he can pay off the finance ... presumably.