Gary Sleet* no longer officially exists as far as the financial sector is concerned. He’s ineligible for a mortgage, a personal loan or a mobile phone contract, and he would be refused if he applied for a credit card.
Sleet, who lives in Paisley, Renfrewshire, has committed no offence and has never missed a payment. His credit rating was wrecked, he says, because his local council changed his flat number on the electoral roll. This means his address does not match details on Royal Mail’s postcode address finder (PAF), which is used by most companies to verify customers.
