roker said:Banks have credit reference agencies they use against us , is it not time that the consumer has a bank reference list?
It would be great if we could set up a table and count the complaint against each bank. we could then count the total and see which one comes out best.
extopia said:I think there's a site somewhere doing this already, but can't remember where it is. Something that was set up in the aftermath of an AIB overcharging scandal. Perhaps someone else can remember,
Having said that there's an awful lot of info about the banks here on AAM too.
ClubMan said:...... I'm not aware of any credit reference/scoring agencies operating in the Irish market ......
CCOVICH said:Dun and Bradstreet are a service that provides information on businesses rather than individuals.
roker said:Even if I open up a credit card account I must sign to say that my information can be passed on to other credit reference agencies (read the small print)
As a consumer I need fair play, it is presently one sided. The bank can use all sorts devious practices like sticking on extra insurance without telling you, to get commission.
Clubman
A share holder of a company should be ashamed to admit that their company is using subterfuge to get money out of customers.
roker said:Sorry about the confusion, I refused to take out a credit card because of the paragraph on reference agencies; which is the point, what reference agencies?
This was clear but how many people study all the conditions in the small print
Banks are entiltled to make a profit, but not by using underhanded methods. I have personal experience of this last year. (By the way I have a clear credit history).
Why not just take any legitimate/substantive complaints to IFSRA? Part of their remit is to protect consumers and ensure fair play in the banking sector. I don't see an overriding need for a blacklist of institutions. But if you think that such a list is needed why not start one up - e.g. an online bulletin board such as this dealing specifically with such complaints?But we have got away from the point, about a blacklist for consumers and fair play
Can banks get information on credit without the permission of the customer?
data is held for 6 years
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