blacklisting

[lotsafun]

Hi everyone, is there such a thing as being ''blacklisted''? The reason i am asking is because my friend michelle has hit some hard times of late and is in need of some cash pretty quickly so she applied for a doorstep loan, obviously i have tried to convince her not to go down this route as the intrest rate are ridiciculous, but she is convinced this is the only way to go. Anyway she recieved a call tthe other day while i was there and she was told that the previous tenent has got the flat blacklisted as she herself had a loan from this company and 'did a runner' so they wont give her one because of this. So m y first question is, is there such a thing as being blacklisted? and my second question is, is this even legal to discriminate against someone for someone elses wrongdoing?
I have to admit we were a little shocked that they told us about the previous tenent as i thought all that would be confidential etc. We feel for her because we know that she did not simply 'do a runner' like they suggest and that infact she HAD to leave suddenly one night because of her violent partner, so iits in opinion that she doesnt need people to know what a finacial mess she is in too. Anyway any advice would be great thanks x

[factor-fiction]

An address shouldn't be blacklisted.
If your friend has only fairly recently moved in to the address then the crdit provider may have no record of her at the address (not on electoral roll) and may suspect that she is assosciated with the previous debtor in some way.
The length of time at the address coupled with a low credit rating will make it difficult to get credit.
Maybe she should be grateful she didn't get the loan.

[lotsafun]

couldnt agree with you more factor, im relieved she didnt get it and friends have now clubbed together to help her out :). Thanks for your info !

[R1Geezer]

There is no such thing as a "blacklist". Credit refererence agencies store data on individuals, the address itself is only stored as a means to identify the person. When someone applies for credit the lender accesses that data and makes a decision based on it. The credit reference agencies only supply data they do not decide whether or not to lend. I would suggest in this case that your freind has a less than favourable credit record.