Advice On Credit Rating

Jan Leeming

Shoreham 2007

Shoreham Airshow 2007
Me looking brave before taking to the air (and the wing) of the plane. Wow, it was cold !! But the whole experience was totally exhilarating.



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Jan's Blog

Computers and the internet are amazing things. One of my concerns with putting together this site was that it could remain current, yet with all my travelling I've often much to say, but little time to say it. Years ago when reading the news it would take me days on end to reply to the kind letters people sent. Now, with the magic of the modern age, I can keep you up to date with what I'm doing and other events in my life.


Date: 4th November 2010


Just thought I might give my fellow Brits a little advice.

I have had a Credit Card and a Bank Account with the same organization ever since I opened a Bank Account – a good few years ago. I pay my Credit Card off each month by Direct Debit so I do not pay interest.

However both accounts not only charged me for currency exchange but a processing charge on all purchases and spending, as I did for the last seven years - three months in Capetown – proved quite pricey. So I took out a Nationwide Debit and Credit Account so that I could avoid these charges. When I am back in the Uk I don’t use them.

Twice BA have encouraged me to apply for an American Express Card so that I would get Airmiles on all my purchases. As I spend a not inconsiderable amount on my Credit Card – keeps it all in one place – I applied and on two occasions have been turned down although there was a line of assurance that my Credit Rating was not in doubt. This worried me so I joined Credit Expert in order to check my Rating. It could hardly have been better but it stated that I was not registered on the Electoral Roll (a minus point). That’s odd as I have been on an Electoral Roll for the last forty years and only recently filled in the Electoral Roll form again.

I don’t borrow money so my membership of Credit Expert was really not of any use so I cancelled it. Quite correctly they had to take me through a number of steps to ensure that I was who I said I was. The subject of my rejection by American Express was raised by me and I was staggered to discover some information of which I was unaware. A very nice chap called Greg told me that my Nationwide Accounts had variously gone into Dormant and Unclassified Status (because I don’t use them) but this is a Negative in so far as one’s Credit Rating is concerned.   And sadly, I doubt that a letter written by me to Head Office would even be acknowledged. ( I was told by a Bank Worker that the first 3 letters from any dissatisfied customers get filed in the WPB (waste paper basket) and only on a fourth attempt might any reaction be prompted.)  I sometimes want to scream at the inability to talk to a person these days or if one does it is a polite individual on the other side of the world who doesn't speak our language very clearly.  I'm sick of the nine options on the phone.  Why the Hell have we got so many people on benefit and yet so few people working in actual jobs and that goes for Department stores as well - they seem to be run on remote control and to find a person behind a counter is becoming a rarity.  It is all about profit for the Company - and yet you and I are paying for that profit in our Taxes  - a huge chunk of which goes on Welfare - it's a daft vicious circle when we pay people more not to work than to work.

Back to Credit Ratings - The other point is that my address contains two numbers – that of my flat and that of the building which has a number on a street  and this has often proved difficult to enter on Internet sites especially if they are American so I’ve been advised to check how it appears on the Electoral Roll because if that has been entered even remotely incorrectly then again it will count against me. And I do know that I get a number of variations to my address including mis-spelling – fortunately the Postman knows where I am so most of the mail does get to me even when the address is incorrect.

I do hope this will be of help. To say I’m hopping mad is an understatement. Apparently, even if I had an overdraft this would be better than going into Dormant.

So I'm off down the road to cancel both Nationwide Accounts and to hell with it - I'll just pay the charges on my other two cards when I'm abroad.

Hey Ho – What a world we live in!

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