Banking

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hippy in reply to @grams

too many non-owner occupied flats in the building

That's even a thing?

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kl in reply to @hippy

There are some pretty odd reasons underwriters will use to refuse lending. My mate got rejected recently as the flat he was buying was above a musical instruments shop. Getting lending above a chicken shop or bookies will be borderline impossible.

I'm currently jumping through a bunch of hoops as I've lived on a boat for years without using utilities, credit cards, mobile phone contract etc. Never missed a payment on anything and don't use credit as I don't buy things I can't afford, but apparently I don't exist to the Experians of this world.

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hippy in reply to @kl

Yeah, I got a credit card, not because I needed a credit card but because to get a credit score you need a credit card! Fucking dumb but such is life.

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