How's this for discrimination......

GP

So as a self-employed person I decided to take an interest free offer from the biggest PC manufacturer in Ireland.

1 week went by without an answer. I finally called them and they told me I had been declined. By the way, we're talking about a sum of €78 / month.........

When I queried why, they said they are not told why but that the one reason may be that I am not on the Electoral Register! :eek:

I informed him that as a Non-National I am not allowed to Vote...his answer "oh, that's it then".

I have my own home, car, credit card paid off 100% every month. My food bill is probably 2.5 times that / month and yet I am decline for a sum that most people spend at the pub on a week-end night.

This country has a lot to learn still.

Sir Digby Chicken Caesar

you'd probably get a better computer for cheaper elsewhere..... take it as a blessing.

BendiBus

GP wrote: »

I informed him that as a Non-National I am not allowed to Vote...his answer "oh, that's it then".

If you're resident in the country you can still vote in Local Elections at least, so you should get yourself onto the electoral register.

the_syco

GP wrote: »

So as a self-employed person I decided to take an interest free offer from the biggest PC manufacturer in Ireland.

GP wrote: »

When I queried why, they said they are not told why but that the one reason may be that I am not on the Electoral Register! :eek:

Sounds like jibber-jabber bullsh|t. Ring them back, and ask how do they know this information, as I'd think this would be against some data protection law or other.

Also, if its a bricks and motar shop (as opposed to an online shop), consider it a blessing in disguise:D

BendiBus

the_syco wrote: »

Sounds like jibber-jabber bullsh|t. Ring them back, and ask how do they know this information, as I'd think this would be against some data protection law or other.

The Electoral Register is public information. With a name & address you can check if anyone is on the register and what elections they're entitled to vote in.

http://www.checktheregister.ie/

JohnC.

the_syco wrote: »

Sounds like jibber-jabber bullsh|t. Ring them back, and ask how do they know this information, as I'd think this would be against some data protection law or other.

Anyone can access the electoral register. It isn't isn't some hidden database somewhere. You should be able to search it from your local council website and, IIRC, you can view it in your local post office too.

GP

probably is a blessing. The main reason was that it's a great way to keep the csh flow form being depleted.

€1900 straight up versus €78 / month, choice 2 is much better.

Anyway. I've written a letter to them but I'm sure it will end up in the bin

Gauge

PC World's finance agreements are organised by a separate company. I think it's HFC. PC World don't decide who gets approved or not so if you wrote to them it's not much good for you, as they don't decide who gets approved or not (and believe me, they WANT people to get approved! More money for them.)

HFC also don't disclose the reasons for denial to anyone but the person applying. But they are picky. A LOT of people don't get approved. How long have you been in the country? HFC checks your credit history and you may not have been living here long enough to build up one that is satisfactory to them... they're also quite iffy about self employed people (as they almost always ring a person's employer before approving them).

You would probably have more success if you contacted HFC directly and requested a reason for why they denied you.

Zaph

Given that the OP states that it's

the biggest PC manufacturer in Ireland.

I'm guessing Dell rather than PC World.

Gauge

Ah... somehow I missed the 'manufacturer' part. My bad.

mikemac

GP wrote: »

When I queried why, they said they are not told why but that the one reason may be that I am not on the Electoral Register! :eek:

I informed him that as a Non-National I am not allowed to Vote...his answer "oh, that's it then".

I realy doubt that's the reason.
Sure many Irish people aren't on the Electoral Register. Don't you remember the big drive to update them started by Minister Roche?
They are still out of date (and many people on them are dead :eek:)

Irish people get turned to for credit every day, often for stupid reasons.
Hell, I finished college a few years ago and my credit card is a "student" card so despite many attempts I can't get the limit upped from €250.

Also, meteor bill pay required a €300 deposit from me despite the fact I was with them on PAYG for 2 years previously :mad:

From a purely business point of view, a non-national will be more of a risk to an Irish person. Sure there are exceptions but it's common sense.

"This country has a lot to learn still."
Lose the attitude OP! We don't need lectures from a non-national playing the discrimation card.
You were badly treated no question but the above statement comes across very badly and as if everyone is against you

GP

micmclo wrote: »

I
"This country has a lot to learn still."
Lose the attitude OP! We don't need lectures from a non-national playing the discrimation card.
You were badly treated no question but the above statement comes across very badly and as if everyone is against you

After living here for 5.5 yars I believe I'm entitled to express my opinion based on my experiences. It's not attitude.

I'm static a fact based on quite a few "interesting" experiences that's all.

A coutry who has only been exposed to foreign national for a few years DOES have a lot to learn.

ps. If I did not like living here, I would leave believe me.

The next time you accuse someone of having an attitued maybe go and live somewhere else for a few years to experience it first hand. And I don't mean another county

Nevyn

You should have told them that you do not believe in proportional repasentation demorcy and you have choosed to opt out of the politcal process and applying to be on the Electoral Register is optional in this country and not mandated also thousands of people were knocked of the register for no good reason just before the last election.

dazberry

GP wrote: »

When I queried why, they said they are not told why but that the one reason may be that I am not on the Electoral Register! :eek:

I'm surprised they based their information just on the Electoral Register (probably via the Thoms database). Sounds a bit like a poor excuse to me. If as you say you have a house and a car, if either of these were bought on finance (did you buy the gaff in cash!) then there should be a (re)payment profile on ICB? Of course it is possible your ICB is missing or incorrect?

As part of the consumer credit act, you have up to 28 days to ask for the sources of information that they based their refusal on (they have to supply this within 14 days of your request). You can also contact the ICB directly and for a fee see your credit rating and have it corrected/deleted as appropriate.

The only other thing is that they may have routed your request thru' a credit scoring engine - that may have auto-declined based on missing information.

Definitely worth looking into it - even if it was a lucky escape - don't like the "biggest PC manufacturer"'s hardware myself

D.

mickoneill30

GP wrote: »

1 week went by without an answer. I finally called them and they told me I had been declined. By the way, we're talking about a sum of €78 / month.........

When I queried why, they said they are not told why but that the one reason may be that I am not on the Electoral Register! :eek:

I informed him that as a Non-National I am not allowed to Vote...his answer "oh, that's it then".

Do finance companies tell the shops why they decline customers? I'd assume they just say "approved" or "rejected" to the shop. They'd hardly say Mr. X was rejected because we found he defaulted on some payment a few years ago. I'd say it's way more likely you were talking to somebody who had no clue and just told you whatever they could to get rid of you. You had been declined so they probably didn't have too much of an incentive to keep you happy.

I wasn't on the electoral register a couple of years ago when I got a couple of grands worth of finance from another company. I did have credit history though going back several years. I would think your first step before blaming discrimination would to be to get a copy of your credit report "www.icb.ie" and find out if there's anything negative on that.

seanabc

GP wrote: »

When I queried why, they said they are not told why but that the one reason may be that I am not on the Electoral Register! :eek:

I informed him that as a Non-National I am not allowed to Vote...his answer "oh, that's it then".

As has been mentioned anyone resident in the State can vote in local elections. There were 'non-national' candidates in the last local elections, some of them could have been elected for all I know.

The register of electors is probably one of the sources they check to confirm your identity. Possibly since you're self-employed it may be harder to confirm your income or it's stability so they might rely harder on your proofs of identity. This is probably an automatic checking system they have. There might be a manual appeals procedure if you wanted to go through all that with them but on the other hand there are plenty of other computer stores as well.

I'd also suggest that the credit option isn't a great way to go for buying a new computer either. You'll still be paying for it long after it's obselete.

UrbanFox

GP wrote: »

Anyway. I've written a letter to them but I'm sure it will end up in the bin

You do not have to take that sort of treatment from anyone. Mind you, I am an Irish national and find that letters get ignored from me too !

If you do not get a reply you could always contact the Equality Agency and see if they could offer you any advice.

Could be that you have a credit card, don't let it bother you as you won't be alone, a lot of HP finance is not going to be accepted along with loan & credit card applications & mortages over the coming months.

311

I was in Currys a few weeks ago ,looking around. I asked an assistant how easy a loan was to get and I was basically told ,if your Irish no problem, if your a non-national you won't.

I thought it was funny how clear cut she was about it. I know at least a few non-national families who are paying mortgages on large homes here and I can only imagine their disgust at this treatment.

pow wow

The electoral register plays a part in the scoring process, so it might or might not be the reason you were declined. It's usually cited as 'the most likely reason' because if they said 'oh your credit must be sh1te' then you'd be more annoyed than being told it 'could' be because your name isn't on the electoral role. I used to work on the applications phone line for a bank in the UK and trust me, making inferences about the quality of someone's credit is FAR WORSE than saying 'It might be to do with the electoral register'.

It's not based on nationality per se, it's based on the sum of things required to make your credit score high enough to risk a loan. Being on the electoral role is usually one of those things.

GP

dazberry wrote: »

I'm surprised they based their information just on the Electoral Register (probably via the Thoms database). Sounds a bit like a poor excuse to me. If as you say you have a house and a car, if either of these were bought on finance (did you buy the gaff in cash!) then there should be a (re)payment profile on ICB? Of course it is possible your ICB is missing or incorrect?

I have my credit record on hand and funnily enough the house paymetns are nmot on it. The only info is of my personal loan with my bank which is 100% up to date.

dazberry wrote: »

As part of the consumer credit act, you have up to 28 days to ask for the sources of information that they based their refusal on (they have to supply this within 14 days of your request). You can also contact the ICB directly and for a fee see your credit rating and have it corrected/deleted as appropriate.

The only other thing is that they may have routed your request thru' a credit scoring engine - that may have auto-declined based on missing information.

Definitely worth looking into it - even if it was a lucky escape - don't like the "biggest PC manufacturer"'s hardware myself

D.

I've requested the reason form them. Actually just posted the letter this morning.

With regards ot the hardware...I'm not a fan either and the onyl reason I went for this was the intereste free option / cash flow advantage.

I'll probably stick to my current laptops Manufacturer (Acer) which I've had for 3 years without any problems whatsoever.

GP

ellscurr wrote: »

The electoral register plays a part in the scoring process, so it might or might not be the reason you were declined. It's usually cited as 'the most likely reason' because if they said 'oh your credit must be sh1te' then you'd be more annoyed than being told it 'could' be because your name isn't on the electoral role. I used to work on the applications phone line for a bank in the UK and trust me, making inferences about the quality of someone's credit is FAR WORSE than saying 'It might be to do with the electoral register'.

It's not based on nationality per se, it's based on the sum of things required to make your credit score high enough to risk a loan. Being on the electoral role is usually one of those things.

Well, I have never missed payments on any loans / credit cards / house etc etc

I suppose I may as well send in my details to my loca register.......

GP

Thaedydal wrote: »

You should have told them that you do not believe in proportional repasentation demorcy and you have choosed to opt out of the politcal process and applying to be on the Electoral Register is optional in this country and not mandated also thousands of people were knocked of the register for no good reason just before the last election.

:D the guy was so stressed out on the phone (apparently due to lack of staffing) that I think he would have just put down the phone if I said that :D

seanabc

the guy was so stressed out on the phone (apparently due to lack of staffing) that I think he would have just put down the phone if I said that

Call centres are stressful places to work in. The guy you were talking to on the phone probably had as much power to approve you for credit as I do. I think it would be a nicer world if people calling up to make complaints realised this before they picked up the phone.

eth0_

GP wrote: »

After living here for 5.5 yars I believe I'm entitled to express my opinion based on my experiences. It's not attitude.

I'm static a fact based on quite a few "interesting" experiences that's all.

A coutry who has only been exposed to foreign national for a few years DOES have a lot to learn.

Before shooting your mouth off, perhaps you should contact the Irish Credit Bureau and ask for a copy of your credit rating. It is likely that there are debts attached to your house from a previous tenant/owner, or perhaps your wife has a credit card or loan you don't know about.

From what you've said about your credit history then you should be a good bet for hire purchase. By the way, paying off your credit card in full every month is REALLY BAD for your credit rating, it makes a lending institution less likely to give you a card or loan because they think you will pay it off early and they won't make any interest out of you.

Having a land line telephone also counts in your favour when applying for a loan.

One last thing - why don't you just get a loan? It will be FAR cheaper than the ridiculous APR charged on Dell's Hire Purchase agreements.

Cabaal

eth0_ wrote: »

One last thing - why don't you just get a loan? It will be FAR cheaper than the ridiculous APR charged on Dell's Hire Purchase agreements.

I have to agree with this, credit union will sort you with a loan no bother.

You'd be stupid to use a hire purchase scheme with PC world, dell etc

Mountjoy Mugger

eth0_ wrote: »

Before shooting your mouth off, perhaps you should contact the Irish Credit Bureau and ask for a copy of your credit rating.

One last thing - why don't you just get a loan? It will be FAR cheaper than the ridiculous APR charged on Dell's Hire Purchase agreements.

Maybe because the OP said

I'm not a fan either and the onyl reason I went for this was the intereste free option / cash flow advantage.

I'm surprised at you, eth0_

Tabitharose

I don't work for a bank, but I do deal with them work wise (relating to retail loans), and can confirm that we are NEVER told any details as to why an application is accepted or declined - that is a private matter between the person applying for finance, and the bank, and they won't discuss it over the phone with the applicant - we have to give customers a UK address for the bank we deal with to write to to find out why the application is declined.

In our case we have had lots of applications approved and declined, both for people born in Ireland and Irish residents who were born elsewhere, employees and self employed.

Don't know if that helps - I would suspect the person who told you while you were declined was probably guessing as I would assume that all other banks operating similar loan agreements operate under similar conditions.

I don't know which bank Currys operate with, but I have not noticed any difference in whether applications are approved or not depending on nationality - so would wonder if that comment was due to personal bias rather than fact....

GP

Tabitharose wrote: »

I don't work for a bank, but I do deal with them work wise (relating to retail loans), and can confirm that we are NEVER told any details as to why an application is accepted or declined - that is a private matter between the person applying for finance, and the bank, and they won't discuss it over the phone with the applicant - we have to give customers a UK address for the bank we deal with to write to to find out why the application is declined.

In our case we have had lots of applications approved and declined, both for people born in Ireland and Irish residents who were born elsewhere, employees and self employed.

Don't know if that helps - I would suspect the person who told you while you were declined was probably guessing as I would assume that all other banks operating similar loan agreements operate under similar conditions.

I don't know which bank Currys operate with, but I have not noticed any difference in whether applications are approved or not depending on nationality - so would wonder if that comment was due to personal bias rather than fact....

Great thanks.

I'm not sure if I will, but if I do get an answer I'll be sure to post it here.

I was thinking that the one reason may be that I was self-employed.

Anyway, hopefully they will shed some light...

eth0_

Write a letter to the finance company asking why you were turned down. If you have a copy of your credit rating and it looks fine, the finance company may have some additional criteria you failed to meet, or there may have been human error, application may have been mixed up with someone else's.

Gauge

_Brian_ wrote: »

I was in Currys a few weeks ago ,looking around. I asked an assistant how easy a loan was to get and I was basically told ,if your Irish no problem, if your a non-national you won't.

I thought it was funny how clear cut she was about it. I know at least a few non-national families who are paying mortgages on large homes here and I can only imagine their disgust at this treatment.

I don't know why she said that to you. I used to work in the same company (not currys, but a separate shop, they all use the same finance agreements/bank though) and I can tell you that the bank approved just as many non-nationals as it did Irish people. We were never told the reason (it's strictly between the customer and the bank) but after a while you start noticing that certain people don't ever seem to get approved, and I noticed that people who work for themselves were rarely approved.

Cocobells

The title of thread related to discrimination, you have no evidence to support this. disgraceful conduct i dare say.

Pythia

http://www.moneymadeclear.fsa.gov.uk/products_explained/credit_scoring.html

This mentions the electoral register as a reason.

parsi

eth0_ wrote: »

Before shooting your mouth off, perhaps you should contact the Irish Credit Bureau and ask for a copy of your credit rating..

Before shooting _your_ mouth off read Post 21 in which the Op says he has his credit record to hand _and_ he has requested further info from the credit agency.

seanabc

I don't know why she said that to you. I used to work in the same company (not currys, but a separate shop, they all use the same finance agreements/bank though) and I can tell you that the bank approved just as many non-nationals as it did Irish people. We were never told the reason (it's strictly between the customer and the bank) but after a while you start noticing that certain people don't ever seem to get approved, and I noticed that people who work for themselves were rarely approved.

What a shop assistant in Currys tells you about the credit policy of whatever lender they use is as valid as what some bloke in the pub tells you. Anyway, Currys are probably no different to any other shop in Ireland so if it was common knowledge on the shop floor that they practised discrimination against foreigners the word wouldn't be long spreading amongst their foreign national workforce.

ejmaztec

Loan companies are multi-national organisations, operating all over the world. They are only prejudiced against individuals who are considered to be bad credit risks. Pretend you're a loan company. Would you lend money to someone you don't know, without checking them out?

Not in the electoral register - might be a bogus identity

Has only lived at current address for 3 months - he's going to do a runner

Self-employed - might be in the construction industry - no income guaranteed.

etc etc etc

Someone should make a board-game!

I arrived here 20 years ago and needed to buy a washing machine. Couldn't believe it when I had to ask a cousin to be guarantor. My previous UK track-record was irrelevant

GP

Cocobells wrote: »

The title of thread related to discrimination, you have no evidence to support this. disgraceful conduct i dare say.

Being refused a loan because you are not on the Elcetoral Register sounds VERY discriminatory to me.

Gauge

Why don't you wait until you find out what the reason was, instead of believing the speculation of some random employee?

GP

ejmaztec wrote: »

Self-employed - might be in the construction industry - no income guaranteed.

I think this is the reason even though I;ve been here for 5.5 yrs, mortgage etc etc etc etc

GP

Gauge wrote: »

Why don't you wait until you find out what the reason was, instead of believing the speculation of some random employee?

The random employee was the head of the finance section. I can only go by what he said to me was the reason.

IF there is another reason I will cetainly take it on board but I am 100% sure it's not my credit rating or my ability to pay €78 / month and that's a fact.

GP

Pythia wrote: »

http://www.moneymadeclear.fsa.gov.uk/products_explained/credit_scoring.html

This mentions the electoral register as a reason.

Thanks. Which brings me back to my topic title.......

seanabc

GP wrote: »

Being refused a loan because you are not on the Elcetoral Register sounds VERY discriminatory to me.

I thought your point was that you were being discriminated against because as a foreign national you were not able to vote in Ireland and could not be included on the Electoral Register. This is not the case. If you are resident in Ireland you are eligible to vote in at least some elections. So whatever being refused a loan is, annoying, unfair etc, it's not discriminating against you because you're not from Ireland.

From CitizensInformation.ie:

"A new Electoral Register is compiled each year and is published on 1 November. Resident Irish citizens are entitled to vote at all elections and they are identified by the letter 'P' after their names on the register. Resident British citizens can vote in local, European and Dáil elections and are identified by the letter 'D'. Resident EU citizens can only vote in local and European elections and have a letter 'E' after their names. Those identified by the letter 'L' opposite their name (non-EU citizens) can only vote at local elections."

Pythia

Credit is all about discrimination though. I work in credit scoring. We look at things which can predict risk and assign scores to them. If you have too many negatives, you're not going to be approved. Non nationality would generally be proven to be a bad thing (in the statistical sense). It means, on average, you would be less likely to pay back your loan.

I know in the UK there's issues using nationality as a characteristic in a scorecard, but I don't think it's the case over here. Other things are married/single, male/female, no of dependants, employed/unemployed/self employed, and, of course, the time in job/address etc questions. We actually use the word discrimination (although not in the exact same sense) when building these scorecards.
So a non national single man, kids, unemployed, a few months at his address is much more risky than an Irish married woman, working at her job 10 years and living in her house for 5.

Of course things like religion, sexuality, race are not included and if it was one of these things, you would have been discriminated against.

At the end of the day, they want to make sure they get their money back, and if you're a non national who's not on the electoral register, it suggests you may not have been here that long, or don't intend to stay very long, thus making you riskier.

At the end of the day, the bank (finance company, etc) can decide who to lend their money to.

HTH

GP

seanabc wrote: »

it's not discriminating against you because you're not from Ireland.

My point had to do with the voter's register and it IS dscrimination. What if someone Non-Irish OR Irish wishes to NOT vote. Should this exclude them form being bale to buy a laptop ?

GP

Pythia wrote: »

At the end of the day, they want to make sure they get their money back, and if you're a non national who's not on the electoral register, it suggests you may not have been here that long, or don't intend to stay very long, thus making you riskier.

At the end of the day, the bank (finance company, etc) can decide who to lend their money to.

HTH

It's pretty easy for them to a) see when my bank account was opened (5 years ago) and b) see any other pertinent info regardnig my financial status. I don't buy this electoral register stuff.

In fact I'm thinking this was just a Dell Marketing excersise..

seanabc

My point had to do with the voter's register and it IS dscrimination. What if someone Non-Irish OR Irish wishes to NOT vote. Should this exclude them form being bale to buy a laptop ?

If you go into a place and ask for credit and they ask you for id, they're not discriminating against you by turning you down if you say you don't have it or don't want to show it to them.

Personally, I'm not on the electoral register and I was born and bred here. If I was turned down for credit because of that I might see it as a nuisance and I might even get registered but I wouldn't feel discriminated against.

It doesn't stop me from buying a laptop either, just from availing of that particular credit option.

eth0_

GP wrote: »

The random employee was the head of the finance section. I can only go by what he said to me was the reason.

IF there is another reason I will cetainly take it on board but I am 100% sure it's not my credit rating or my ability to pay €78 / month and that's a fact.

He won't have KNOWN. I would imagine he stupidly said something to get you off the phone when you complained after being told you were turned down for finance.

Dell use a third party for their finance agreements. The third party bank cannot disclose the reason you were refused to Dell, they can only say "yes" or "no".

Did you get any reply from the finance company yet?

faceman

GP, although it might seem like it, you havent been discriminated against personally. You were probably run through a scoring model and your credit report was cross referenced

As we dont know which company you are speaking of, its impossible to tell their methods. However the electoral register plays a bigger part in credit checking in the UK for non nationals. In Ireland its not as big a deal but it does help verify someone's address. Irish people dont need to be on the electoral register as generally someone in their family will be registered at an address and thats fine.

Your nationality is not used as a basis for scoring in ireland, and never will. Its illegal and rightly so. Its a bit of a grey area then to "prove" the credit worthiness of different nationalities in ireland but i wont go into it here. Any application forms that ask your nationality (where nationality is not relevent to provision of goods or services) should be flagged to the Equality authority.

You are entitled to ask for the reasons regarding your credit refusal but dont expect them to say, "you didnt pay a bill with ESB once" cos (a) they dont know that (or shouldnt know unless the debt was registered in court) and they wont say it anyway!

Scoring models are developed looking at demographic trends over time. E.g. a 21 year old, living at home, your current address, 5 years with his bank, no loans etc etc. Its not that you as an individual will screw them over, but history has told them that individuals in similar circumstances are a higher risk. Many are automated however it is illegal to refuse an application through an automated system, so your application was probably reviewed by a credit analyst before the final decision was made.

I think you mentioned that you requested your credit report from the ICB. If there are inaccuracies on it, then get it sorted.

Finally as someone else pointed out, avoid all HP agreements at all costs! Even those that are attractive may have dodgy t&c's in the small print.

hotshots85

ok gp so you say that because you got the reason that you were refused credit was that you are not on the voters reg and this is discrimination .
lets look at a few facts here .
1-- only living in ireland 5 years
2--- self employed [a taxi driver id guess now i might be way off there ] sorry if i am
3-- no credit history as to speak of
any one of these three points ive just made would cause a credit company to refuse an application and it has nothing to do with not being on the voters reg this excuse probably came from an overworked shop worker who had,nt a clue .i get the impression from your posts racial undertones that you feel its a race thing .well let me tell you something every day theres loads of people who are refused credit who have lived here all their lives .so my friend just get over it and in time you will be able to put yourself in as much hock as you like. then the credit companies will be beating a path to your door to give you money

GP

hotshots85 wrote: »

ok gp so you say that because you got the reason that you were refused credit was that you are not on the voters reg and this is discrimination .
lets look at a few facts here .
1-- only living in ireland 5 years
2--- self employed [a taxi driver id guess now i might be way off there ] sorry if i am
3-- no credit history as to speak of
any one of these three points ive just made would cause a credit company to refuse an application and it has nothing to do with not being on the voters reg this excuse probably came from an overworked shop worker who had,nt a clue .i get the impression from your posts racial undertones that you feel its a race thing .well let me tell you something every day theres loads of people who are refused credit who have lived here all their lives .so my friend just get over it and in time you will be able to put yourself in as much hock as you like. then the credit companies will be beating a path to your door to give you money

...you've made some amazing assumptions and by your nick I may make one which says you're not as hot as you think you are.

Maybe you should read some of my responses above to see that that I DO have a credit history etc etc etc. I'm not even going to bother answering this posting.

Taxi driver.......:D:D:D:D:D:D:D:D talk about assumptions...........

Sam Vimes

GP wrote: »

My point had to do with the voter's register and it IS dscrimination. What if someone Non-Irish OR Irish wishes to NOT vote. Should this exclude them form being bale to buy a laptop ?

there are very specific things that are legally classed as discrimination and its illegal to judge based on there. Examples are sex, disability, race, religion, sexual orientation and a few more i can't think of. Judging based on being on the electoral register is not one of the things that is classed as discrimination