No foreigners need apply!

[TooMany2cvs]

KFC said:

If they straight up refused to give me any sort of credit or trust whatsoever, I'd think its a bit weird.

Which is EXACTLY what is happening here, and you're defending.

[Andy Zarse]

TooMany2cvs said:

KFC said:

If they straight up refused to give me any sort of credit or trust whatsoever, I'd think its a bit weird.

Which is EXACTLY what is happening here, and you're defending.

Exactly correct.

The first question on the form after name and address is Nationality; then in brackets it says about not entertaining non-British applicants.

[Andy Zarse]

kapiteinlangzaam said:

When I was working in Luxembourg (as a Brit) in 2006 they wouldn't even give us Jonny foreigners debit cards at the bank, as we had no status.

Want some money, visit the bank mon-fri 9-5 thank you please.

How about that for blantant reverse BNP craziness.

Presumably once you'd banked there for a period of time, and established your bona fides, further services would be extended?

[Mutley]

Andy, have you reported to Trading Standards (or relevant agency)?

[jamoor]

Andy Zarse said:

So explain how can anyone who is non British possibly hold a British passport? Thus all foreigners excluded.

This is clearly saying if you hold a passport other than a British one then forget it; it is not saying forget it if you don't hold any passport.

Easy!

[TooMany2cvs]

Umm, somebody eligible for a British (Overseas) passport like those IS British. They have British nationality. That's how they have a British passport.

They're a British Overseas Territory Citizen, rather than a normal vanilla British Citizen, but they are British, hence the British passport, even though it's a British (Overseas) passport rather than a normal vanilla British passport.

http://en.wikipedia.org/wiki/British_nationality_l...

[Four Litre]

KFC said:

Political correct nonsense.

OP, back in the real world, would you want to lease a car to some bloke from Ukraine with no real ties here and no chance whatsoever of you recovering any money if he goes home with the car and defaults?

Im sure the OP and his Lady are real stand up members of society, however if your hiring out an expensive asset why would you take the risk of them driving it off into the sunset? More than likely to somewhere that they wouldnt get it back from.

If that was my business I wouldnt bother taking the ris as is it really worth it.

[CYMR0]

But isn't the point of a credit rating to asses that risk?

[TooMany2cvs]

CYMR0 said:

But isn't the point of a credit rating to asses that risk?

Not to mention the illegality of discriminating on the grounds of nationality... (with a few caveats - and car finance ain't one)

[CYMR0]

TooMany2cvs said:

CYMR0 said:

But isn't the point of a credit rating to asses that risk?

Not to mention the illegality of discriminating on the grounds of nationality... (with a few caveats - and car finance ain't one)

Absolutely, but my point is that if someone passes the credit scoring, the benefit of discriminating based on nationality is going to be absolutely minimal even before you ignore the number of customers you'd be turning away.

[Andy Zarse]

Four Litre said:

KFC said:

Political correct nonsense.

OP, back in the real world, would you want to lease a car to some bloke from Ukraine with no real ties here and no chance whatsoever of you recovering any money if he goes home with the car and defaults?

Im sure the OP and his Lady are real stand up members of society, however if your hiring out an expensive asset why would you take the risk of them driving it off into the sunset? More than likely to somewhere that they wouldnt get it back from.

If that was my business I wouldnt bother taking the ris as is it really worth it.

Then you must be thick if you think someone is going to fk off with a Skoda Yeti to Holland leaving a job, a child and every other asset behind.

What about running a credit check, looking to assess other financial metrics; do they own any UK property/assets, a private pension, do they make payments on time for utilities etc? On the electoral roll? Kids at school? Any manner of other info in the public domain.

But no, not you. You'd rather rely on racial prejudice. Bloody Dutch coming over here, why don't they fk off back to the jungle on their banana boat?

[karona]

Andy Zarse said:

Then you must be thick if you think someone is going to fk off with a Skoda Yeti

Kack all to do with race. A Brit couple moved into our village in Bulgaria, with a brand new Kia 4x4. They put Bulgarian plates on it, lived here for a year, then fekked off home, selling the car to pay for the move back to the UK.
Six months later someone knocked on my door looking for them and the car.
It was taken on finance, the week before they moved out here.

[TooMany2cvs]

karona said:

Kack all to do with race. A Brit couple moved into our village in Bulgaria, with a brand new Kia 4x4. They put Bulgarian plates on it, lived here for a year, then fekked off home, selling the car to pay for the move back to the UK.
Six months later someone knocked on my door looking for them and the car.
It was taken on finance, the week before they moved out here.

So, umm, that was a British couple financing a car in Britain...?

[Andy Zarse]

TooMany2cvs said:

karona said:

Kack all to do with race. A Brit couple moved into our village in Bulgaria, with a brand new Kia 4x4. They put Bulgarian plates on it, lived here for a year, then fekked off home, selling the car to pay for the move back to the UK.
Six months later someone knocked on my door looking for them and the car.
It was taken on finance, the week before they moved out here.

So, umm, that was a British couple financing a car in Britain...?

[Hol]

Andy Zarse said:

Four Litre said:

KFC said:

Political correct nonsense.

OP, back in the real world, would you want to lease a car to some bloke from Ukraine with no real ties here and no chance whatsoever of you recovering any money if he goes home with the car and defaults?

Im sure the OP and his Lady are real stand up members of society, however if your hiring out an expensive asset why would you take the risk of them driving it off into the sunset? More than likely to somewhere that they wouldnt get it back from.

If that was my business I wouldnt bother taking the ris as is it really worth it.

Then you must be thick if you think someone is going to fk off with a Skoda Yeti to Holland leaving a job, a child and every other asset behind.

What about running a credit check, looking to assess other financial metrics; do they own any UK property/assets, a private pension, do they make payments on time for utilities etc? On the electoral roll? Kids at school? Any manner of other info in the public domain.

But no, not you. You'd rather rely on racial prejudice. Bloody Dutch coming over here, why don't they fk off back to the jungle on their banana boat?

You really WANT this to be about racism and not a business model - don't you?

Why??

[Eclassy]

Hol said:

You really WANT this to be about racism and not a business model - don't you?

Why??

But it is.

The OP's wife is dutch but lives here. She was discriminated against because of the passport she holds and nothing else.

Credit scoring is a good way to weed out fraudulent applications and a Dutch national with a 1000 point credit score, married to a Brit, with a mortgage, a permanent job and a son in school here is unlikely to run away to Holland because of a £15,000 car.

As OP asked, what will happens to his son who holds a Dutch passport when he gets to 21 if all the credit companies decide to adopt this lease company's discriminatory/racist practice?

[Hol]

Eclassy said:

Hol said:

You really WANT this to be about racism and not a business model - don't you?

Why??

But it is.

The OP's wife is dutch but lives here. She was discriminated against because of the passport she holds and nothing else.

No, she was ineligible to apply, because she did not hold a UK passport. Not because she was Dutch.

[Medic-one]

Eclassy said:

But it is.

The OP's wife is dutch but lives here. She was discriminated against because of the passport she holds and nothing else.

I'm Dutch, i live here, i have no English passport, i cannot apply for that loan.

My mate is also Dutch, also lives here, has got a English passport after becoming a citizen, and therefor can apply for that loan.

So we're both Dutch, and he can apply for the loan, despite being Dutch, so i don't believe they're discrimination against us (the Dutch), they just have a rule about having a UK passports.

[Andy Zarse]

Hol said:

Eclassy said:

Hol said:

You really WANT this to be about racism and not a business model - don't you?

Why??

But it is.

The OP's wife is dutch but lives here. She was discriminated against because of the passport she holds and nothing else.

No, she was ineligible to apply, because she did not hold a UK passport. Not because she was Dutch.

No, you misunderstand me, I suspect wilfully, so please stop playing the reverse race card.

It's neither about racism, nor any particular business model. As I have said on a number of previous post, I have no problem with a lender/broker establishing stringent underwriting criteria so I would be grateful if you'd kindly stop telling me what I think.

It is simply about a failure to abide by a basic law, not to mention a number of obligations set out by the financial regulator, which makes this a tolerable and equitable country in which to live and transact business.

[Eclassy]

Medic-one said:

I'm Dutch, i live here, i have no English passport, i cannot apply for that loan.

My mate is also Dutch, also lives here, has got a English passport after becoming a citizen, and therefor can apply for that loan. R

So we're both Dutch, and he can apply for the loan, despite being Dutch, so i don't believe they're discrimination against us (the Dutch), they just have a rule about having a UK passports.

But thats the discrimination. A service only available to British passport holders. The right thing would be to use visa requirement (for non EU passport holders) and lenght of residency requirements.

The EU was set up so European nationals can move, work and live freely without restrictions in member countries. Oeganisations like this get away with it because they know 99.9% of people will just take it on the chin and just get on with their lives.

Would you be this understanding if jobs, bank accounts, utilities (post paid), health care, mortgages, renting e.t.c in the UK was only available to British passport holders?