Cable Forum - View Single Post - Sony LCD TVs, Electoral Rolls and Credit Searches

chocky909 · 22-07-2006, 12:07

I've been trying in vain for the past week to purchase a Sony LCD from Dixons online site. It's the best price around with my discount codes. Only thing is I need to get credit as I can't afford ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£600 in one go. Anyway, they offer 'Buy Now Pay in 12 months" on all purchase over ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£150 through HFC Bank.

So, I've tried to put this order through about 6 times now and every time it concludes with "Unfortunately HFC Bank Ltd has not been able to make an immediate decision on your credit application".

Anyway, once I figured out that it wasn't a problem with the Dixons website I rang them and was told that HFC Bank had refused my application and I should speak to them, gave me their number.

Rang the number this morning and was told that the reason my application was being denied was because I'm not registered to vote at my address. Now, I've lived at this address for 7 years and have voted on a few occasions (not a big believer in current governments) but always recieve my voting cards and always* return any electoral forms they send me.

So why would the credit search that HFC bank use be showing me as unregistered to vote at my current address? They won't listen to reason and won't offer me any way to prove my residency or proof of address. All I can think of is to make sure I'm registered - I've downloaded a PDF of an 'Electoral Register Form' so I'll be sure to send that right now, but how do I check these things. I've tried to find out but haven't figured it just yet. Also, how long would it take for me to show as registered to vote by HFC.

The funny thing is I successfully applied for credit just 6 weeks ago through a different website and finance company (digital direct and V12 Finance) and they put it through no problem, no mention of electoral registry. Also just applied for a new bank account last week and have had no problems there. I've got an Argos card too.

*I do admit I may have failed to return the last item of correspondence the council sent me but does that mean I'm instantly unregistered? If so that's ridiculous. What if things are lost in the post? I actually voted in the last General Election from this address, surely that is proof enough?

Anyway, just wondering if anyone has any advice. Apart from filling in an 'Electoral Register Form' that is.

22-07-2006, 12:07	#1
chocky909 Inactive Join Date: Aug 2005 Location: South London Age: 47 Services: Virgin XL Broadband BT Phone Sky+ TV Primark Undies Posts: 360	Sony LCD TVs, Electoral Rolls and Credit Searches I've been trying in vain for the past week to purchase a Sony LCD from Dixons online site. It's the best price around with my discount codes. Only thing is I need to get credit as I can't afford ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£600 in one go. Anyway, they offer 'Buy Now Pay in 12 months" on all purchase over ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£150 through HFC Bank. So, I've tried to put this order through about 6 times now and every time it concludes with "Unfortunately HFC Bank Ltd has not been able to make an immediate decision on your credit application". Anyway, once I figured out that it wasn't a problem with the Dixons website I rang them and was told that HFC Bank had refused my application and I should speak to them, gave me their number. Rang the number this morning and was told that the reason my application was being denied was because I'm not registered to vote at my address. Now, I've lived at this address for 7 years and have voted on a few occasions (not a big believer in current governments) but always recieve my voting cards and always* return any electoral forms they send me. So why would the credit search that HFC bank use be showing me as unregistered to vote at my current address? They won't listen to reason and won't offer me any way to prove my residency or proof of address. All I can think of is to make sure I'm registered - I've downloaded a PDF of an 'Electoral Register Form' so I'll be sure to send that right now, but how do I check these things. I've tried to find out but haven't figured it just yet. Also, how long would it take for me to show as registered to vote by HFC. The funny thing is I successfully applied for credit just 6 weeks ago through a different website and finance company (digital direct and V12 Finance) and they put it through no problem, no mention of electoral registry. Also just applied for a new bank account last week and have had no problems there. I've got an Argos card too. *I do admit I may have failed to return the last item of correspondence the council sent me but does that mean I'm instantly unregistered? If so that's ridiculous. What if things are lost in the post? I actually voted in the last General Election from this address, surely that is proof enough? Anyway, just wondering if anyone has any advice. Apart from filling in an 'Electoral Register Form' that is.