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HarderFaster Forums >> General Mayhem >> Business lenders Author Pages (6):  1  2  3  4  [5]  6      danj there is no spoon Registered: Mar 2005 Posts: 18374 - Threads: 785 Location: Omnipresent Quote: Matt wrote on 14-03-2018 06:19 PM Quote: Matt wrote on 14-03-2018 05:55 PM Quote: danj wrote on 14-03-2018 05:49 PM Seriously, you don't. Have a look at Monzo as an example. ORLY? That's not what they say Quote: You must provide us with an email, postal address and phone number and let us know of any changes. Obvious really, it's a legal requirement and they'll want to run a credit check https://monzo.com/terms/ A) They don't run a credit check. B) You could provide any bloody address. C) The only verification they do is when you record a video stating your name and that you want a Monzo account. D) I can verify this because I set one up as a spare account last week and my credit's fucked because I haven't had a fixed address since last year. (¬_/) (='.'=) (")_(") HF2 - coming soon! Report this post to a moderator | IP: Logged 14-03-2018 18:45 PM Matt V2.0 Registered: Apr 2002 Posts: 17728 - Threads: 847 Location: Surrey 2016 Honourable Mention Party Animal Quote: danj wrote on 14-03-2018 06:45 PM A) They don't run a credit check. B) You could provide any bloody address. C) The only verification they do is when you record a video stating your name and that you want a Monzo account. D) I can verify this because I set one up as a spare account last week and my credit's fucked because I haven't had a fixed address since last year. I really doubt this - it would be a criminal's paradise for money laundering. Did you provide "any bloody address", or one where you have lived at some point? Report this post to a moderator | IP: Logged 14-03-2018 19:44 PM Matt V2.0 Registered: Apr 2002 Posts: 17728 - Threads: 847 Location: Surrey 2016 Honourable Mention Party Animal Quote: 16. How we use your information 16.1. We will search your record at credit reference and fraud prevention agencies. These searches are to check your identity and we do not carry out full credit reference checks or credit scoring for this purpose. We will use an automated decision-making system to assess your application and verify your identity. 16.1.1. If we are unable to verify your identity adequately, we may ask you to provide some documentary evidence to help confirm your identity and address. 16.2. Credit reference agencies may check the details you supply against any particulars on any database (public or otherwise) to which they have access. An unrecorded enquiry will be made. An unrecorded enquiry is a search that was not made for lending purposes. It cannot affect your credit rating or score when you apply for credit. It is not seen by other lenders. It is included on your credit report so you know the search was made but does not affect your credit rating, or score, when you apply for credit. 16.3. If you give us false or inaccurate information and we identify fraud, we will record this with fraud prevention agencies. Law enforcement agencies may access and use this information. 16.3.1. The fraud prevention agencies will share records with other organisations. We and other organisations may access and use the information recorded by fraud prevention agencies overseas. 16.3.2. Please contact us via the Monzo mobile application if you would like details of those credit reference and fraud prevention agencies. You have a legal right to these details. 16.3.3. You have certain rights to receive a copy of any information we hold about you. Please contact us via the Monzo mobile application. We may charge you for this service. 16.4. Some information held by credit reference and fraud prevention agencies will be disclosed to us and other organisations in order to prevent fraud and money laundering, by checking applications for credit, credit-related or other facilities, proposals and claims for all types of insurance, job applications and employee records, and to verify your identity. 16.5. The information held by these agencies may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998. Makes sense, Monzo doesn't offer any credit so they don't need to score you, but they definitely need to identify you. Report this post to a moderator | IP: Logged 14-03-2018 19:52 PM Guile A magnificent animal of a man Registered: Sep 2001 Posts: 2659 - Threads: 68 Location: A wretched hive of scum and villainy Quote: Matt wrote on 14-03-2018 07:44 PM I really doubt this - it would be a criminal's paradise for money laundering. Did you provide "any bloody address", or one where you have lived at some point? anywhere he lives qualifies as a 'bloody' address cos he's taliban dan though i spend my time in ashes and smoke in this whole wide world there's no happier bloke Report this post to a moderator | IP: Logged 14-03-2018 19:54 PM kerb Registered: Nov 2005 Posts: 24383 - Threads: 1623 Location: Quote: Matt wrote on 14-03-2018 07:52 PM Makes sense, Monzo doesn't offer any credit so they don't need to score you, but they definitely need to identify you. I've used MANY of these. They're all fucking crooks. For example, CASHPLUS AKA iCard - Signed up with them, got my card, put a few grand in there, 2 weeks later closed without ANY warning. Apparently it was a standard account review and they can't help me. This has happened NUMEROUS times, they charge £15 for a fucking card too which I dont even get a chance to touch. Theres loads of these bastards around claiming they will help any homeless fraudster, and when they've got a couple quid off you, Bang, there goes your account... Report this post to a moderator | IP: Logged 14-03-2018 22:45 PM Matt V2.0 Registered: Apr 2002 Posts: 17728 - Threads: 847 Location: Surrey 2016 Honourable Mention Party Animal Quote: Guile wrote on 14-03-2018 07:54 PM anywhere he lives qualifies as a 'bloody' address cos he's taliban dan killer comment! Report this post to a moderator | IP: Logged 15-03-2018 13:13 PM Matt V2.0 Registered: Apr 2002 Posts: 17728 - Threads: 847 Location: Surrey 2016 Honourable Mention Party Animal Quote: kerb wrote on 14-03-2018 10:45 PM I've used MANY of these. They're all fucking crooks. For example, CASHPLUS AKA iCard - Signed up with them, got my card, put a few grand in there, 2 weeks later closed without ANY warning. Apparently it was a standard account review and they can't help me. This has happened NUMEROUS times, they charge £15 for a fucking card too which I dont even get a chance to touch. Theres loads of these bastards around claiming they will help any homeless fraudster, and when they've got a couple quid off you, Bang, there goes your account... What information did you have to provide? And did you get your few grand back? Report this post to a moderator | IP: Logged 15-03-2018 13:14 PM danj there is no spoon Registered: Mar 2005 Posts: 18374 - Threads: 785 Location: Omnipresent Quote: Matt wrote on 14-03-2018 07:52 PM Makes sense, Monzo doesn't offer any credit so they don't need to score you, but they definitely need to identify you. They identify you by you recording a video saying "I'm so and so and I want a monzo account". (¬_/) (='.'=) (")_(") HF2 - coming soon! Report this post to a moderator | IP: Logged 19-03-2018 15:35 PM All times are GMT. 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