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Barozi on 02 July 2019
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Wyrdness said:
Barozi said:

lol far from it, you're too naive. Quite a few companies don't check credit ratings, hell they even advertise that they aren't checking, because checking alone will decrease your score. Then you forgot the easiest way to bypass this "one time thing" issue. Use a fake name.

Also you're mixing up civil jurisdiction and criminal jurisdiction. Companies could drop the case but that doesn't change that the state attorney can charge you with fraud, which can (and if you keep doing it will) result in a prison sentence.

You must not delve into finance much when you try to do what you said you need your passport, proof of address etc... Good luck giving a fake name. As far as I know no company offering goods like you say does so with out credit checks at least not here in the UK only companies that don't do checks are companies like challenger banks looking to build a customer base or ones that require you to put down someone for collateral who then has to confirm their details and all for it to go through.

State attorney's and such aren't a thing here in the UK and much of Europe or many other countries it's up to the company to initiate legal action and practically all the time they don't as the cost of such actions is higher than that of what they're owed.

sry I don't believe you one bit.
Fraud is a crime, just like murder. So you're telling me that if someone kills an employee of some company and the company doesn't initiate legal action... nothing will happen? Bullshit. It's a state's duty to prosecute crime and I found who's doing that in the UK. https://en.wikipedia.org/wiki/Director_of_Public_Prosecutions_(England_and_Wales) It might not be called state attorney but every solicitor representing the state essentially is.

Again, this has absolutely nothing to do with the company and if they want (or can get) their money back or not. That would be a completely different trial.


Obviously I don't know exactly what payment options UK companies usually offer but I don't think they are checking as often as you think. Or we're talking about something entirely different. I'm just talking about some private guy ordering consumer goods from companies on account. In case that's unusual in the UK, here's an excerpt:

"The payment method purchase on account is the most popular method of payment for online purchases in the DACH region. This involves sending the goods together with an invoice, which the buyer is required to settle with the merchant by a specified due date. Since the merchant advances credit for this payment method, it generally performs a credit check as a safeguard to avoid the possibility of a non-payment. This payment method is only offered to the relevant online shopper following a favorable credit and risk check. Payment against invoice or installment payments are also referred to an insecure payment method."

I mean.. where do they get your information from? A register office? Most likely not. Why would the state give personal information to private companies. So what if you've never bought anything in the UK? They won't have any data about you so how would they know the name is fake when you might as well be a new resident who moved into the same building.