[martinod]

email  about new privacy policy credit checks  how will that change things

Topic

[Glos Guy]

No email received here. Can you post the text of it please?

[kezo]

No email here either!

How will that work when there is no credit involved?

The mobility component, is paid directly by the government guaranteeing payment directly from the claimants benefit, which I believe was done this way to avoid these checks.

There is no credit on the Advance Payment, as it’s paid in full by the claimant, which again avoids credit checks.

Very stange.

 

[kezo]

please delete can’t get the picture to load https://www.facebook.com/photo/?fbid=10241967345586023&set=gm.4243839225886202&idorvanity=2079329012337245

Is the link posted to the phota, as it’s saying content isn’t available?

[Glos Guy]

I can’t see anything on the website. I wonder if it’s a scam?

[PaulH]

its from a facebook post there is quite a few said they have received the email i haven’t

[mitch]

this is a screenshot of the email i received.

 

• This reply was modified 6 months ago by mitch.

[Glos Guy]

Thanks for that @mitch

Re the potential for credit checks, I’d suggest that it’s nothing to worry about. That’s a common thing in almost all financial agreements. They won’t be worrying about people with low credit scores. What they might question is anyone who had been declared bankrupt or has a County Court judgement over financial matters. At the end of the day, we are entering into a financial agreement and those sorts of checks are commonplace.

[kezo]

By sounds of it, any checks would be soft checks

[on the spectrum]

I got the email was a bit worried as this is like the ID card business if you are old school you just do not want your data thrown around but alas them days seem to be over. I know people say if you have nothing to hide everything is ok but again if you want a car on finance they do credit checks and many disabled and retired may not be able to get a car or scooter which is a bit worrying.

[Menorca Mike]

I got the email

[trb10]

The credit check will just be a soft search to basically confirm your details all tally up I would imagine.  It’s not like you can default on payments when they get them direct from DWP.

[WardyGTC]

Credit checks are often used as a method to confirm identity.

If I seem a little strange, that's because I am.

Skoda Karoq SEL.

[vinnym70]

Surely your NI number is sufficient to identify you?

It says ‘in some cases’ so maybe there’s some gaps?

[MFillingham]

Fraud prevention and potentially a check for grant applications?  Fraud prevention would be quite simple and is commonplace.

It would be interesting to see if they’d do a credit check to see if someone claiming poverty has received or applied for credit recently.  The way things are going, I can see a grant application getting rejected because someone took out finance recently and that contradicts what they’ve put in the application.

There are people using the scheme with incredibly poor credit, it’s not difficult to think up a situation where a formerly working person suddenly becomes unable to work and pay their bills, leading to an IVA or bankruptcy.  They would have a valid reason for needing a car and PIP is excluded from consideration as income in these cases.

I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.

Mark

[Author]

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