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04 Mar 10
12:12
Joined:
Date Joined:
04 Apr 03
I have a personal loan that I took for my business. I doubled up a couple of payments, etc, so looking good.
I'm talking to the bank about new loans, etc, related to personal (planning a move, refurnish) and business. Offered 9.9%. Fine and dandy.
They call back. Rejected.
Reason: "You have gone over several times on your switch."
I get the letter.
I go over the charges back to March 2008. Two years. Here is the list:
11 letters sent in all over two years. PLEASE NOTE: Letters, not charges taken. Read on.
9 were bank errors:
3 were charges for direct debits and an interest charge on an old account after the bank had recommended to close one of our accounts for security reasons (stolen card). The bank failed to change over all the direct debits after sending us a letter that they had. No charges taken.
6 others: Various reasons including failure to properly update balance available and (the best) taking interest on my overdraft a day early. No charges were taken.
2 were my mistake: One, I had mistransferred to cover a cheque. Bank recognized human error. The other, a direct debit I forgot about which I ate.
TOTAL CHARGES OVER 2 YEARS: £35.00. This was around 18 months ago. And I just found out that one got overturned as good will since my account was clean till then
I take it the underwriters simply look at letters sent out but don't look at the end result?
None of this appears on my credit rating or scores with agencies (equifax, etc). Everything is perfect. So, again, this must be internal.
I assume this is an internal rating and I am now faced with getting this corrected.
How long do they normally go back?
I'm talking to the bank about new loans, etc, related to personal (planning a move, refurnish) and business. Offered 9.9%. Fine and dandy.
They call back. Rejected.
Reason: "You have gone over several times on your switch."
I get the letter.
I go over the charges back to March 2008. Two years. Here is the list:
11 letters sent in all over two years. PLEASE NOTE: Letters, not charges taken. Read on.
9 were bank errors:
3 were charges for direct debits and an interest charge on an old account after the bank had recommended to close one of our accounts for security reasons (stolen card). The bank failed to change over all the direct debits after sending us a letter that they had. No charges taken.
6 others: Various reasons including failure to properly update balance available and (the best) taking interest on my overdraft a day early. No charges were taken.
2 were my mistake: One, I had mistransferred to cover a cheque. Bank recognized human error. The other, a direct debit I forgot about which I ate.
TOTAL CHARGES OVER 2 YEARS: £35.00. This was around 18 months ago. And I just found out that one got overturned as good will since my account was clean till then
I take it the underwriters simply look at letters sent out but don't look at the end result?
None of this appears on my credit rating or scores with agencies (equifax, etc). Everything is perfect. So, again, this must be internal.
I assume this is an internal rating and I am now faced with getting this corrected.
How long do they normally go back?
Show More
If you go elswhere that company will have no record of how you conducted your current account!!
Which bank is giving you all this hassle?
Which bank is giving you all this hassle?
Halifax.
Spoke to someone just now. They seem to be back-peddling a bit. On hold now :)
Spoke to someone just now. They seem to be back-peddling a bit. On hold now :)
chisel 04 Mar 14:03
If you go elswhere that company will have no record of how you conducted your current account!!
thus why it doesn't show anywhere
If you go elswhere that company will have no record of how you conducted your current account!!
thus why it doesn't show anywhere
Seems they have back-peddled. "We will review it again."
"No, I don't want you to review it. I want you to send, in writing, why it was rejected."
"Mr Shapeshifter, that's not necessary. We're willing to review it. I'm sure there won't be a problem."
"No, I'll discuss that afterwards. I was told you rejected my loan. I will need the reasons in writing.
"Um, okay. Send a letter to Leeds."
idiots.
"No, I don't want you to review it. I want you to send, in writing, why it was rejected."
"Mr Shapeshifter, that's not necessary. We're willing to review it. I'm sure there won't be a problem."
"No, I'll discuss that afterwards. I was told you rejected my loan. I will need the reasons in writing.
"Um, okay. Send a letter to Leeds."
idiots.
mr.shifter.....were borrowing 1%...and lending @9%.......one moment..................banks biggest crooks out.....
Do what i did, move to spain....your record is then clear as a whistle..cos they dont check past records in different countries
crediter 06 Mar 01:47
mr.shifter.....were borrowing 1%...and lending @9%.......one moment..................banks biggest crooks out.....
More like:
mr.shifter.....were creating money out of thin air...and lending @9%.......one moment..................banks biggest crooks out.....
mr.shifter.....were borrowing 1%...and lending @9%.......one moment..................banks biggest crooks out.....
More like:
mr.shifter.....were creating money out of thin air...and lending @9%.......one moment..................banks biggest crooks out.....
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