Areas of Law / Consumer Law

My wife received an application form for a credit card from one of the banks but when she sent it off she was turned down. She has provided evidence of £8,000 in savings and various other things they’’ve asked for, but they won’t divulge exactly what they have against her.

Write to the bank again and ask them for a form to send to the credit reference agency they use. You’’re entitled (under the Consumer Credit Act 1974) to see what they have on file about you on payment of a £2 fee. She has the right to correct any inaccuracies, but of course no-one has an automatic right to credit. The bank will not only be looking at your wife’s present situation, but also her track record and details of others in your household.

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