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BrightHouse, the controversial rent-to-own firm, has admitted that the imposition of more rigorous affordability checks is hindering its business model. Since the Financial Conduct Authority took over the regulation of the rent to own sector in 2014, BrightHouse has attempted to allay a number of concerns the FCA raised regarding affordability checks and the treatment of customers who fall behind on payments. These changes, according to its chairman Henry Staunton are “onerous and time consuming” and have, “had a material impact on the level of customer sign-ups and consequently on profit”.

BrightHouse specialises in selling household goods and furniture via weekly payment plans. Typical interest rates range from 69.9% to 99.9% dep .....

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17 Oct 2016 by Erika Bone Declined Credit

Common reasons for being declined credit


Being declined credit can often lead to both confusion and disappointment. Missing out on a credit card with a great interest-free period or a low interest unsecured loan can also be very frustrating. Indeed, having a credit application declined can often lead to more questions than answers.

It can often be hard to pinpoint a specific reason behind why an application is declined. If a credit application is declined, it is worthwhile contacting the prospective lender in order to see whether they can supply you with any additional information as to why your application was unsuccessful, although it is worth keeping in mind that they do not legally have to provide you with this.

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30 Mar 2015 by Michael Bolt Declined Credit

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