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  • FIRST POST
    • dk5294
    • By dk5294 12th May 17, 3:23 PM
    • 166Posts
    • 19Thanks
    dk5294
    Bank of Scotland loan review
    • #1
    • 12th May 17, 3:23 PM
    Bank of Scotland loan review 12th May 17 at 3:23 PM
    Just applied for a bank of Scotland loan.
    car on pop at £254, 2 credit cards active with no outstanding balance and a mortgage payment of £210 a month. I have around £700 disposable income a month.

    I bank with bank of Scotland however not all my income is paid into that account. Loan repayments were stated at £300 pcm so still affordable. Went through everything and said it was sent for review and I'd know by 6.55pm (strange time I know). Does anyone know why this would be? I'm used to immediate decisions for things these days.
Page 1
    • zx81
    • By zx81 12th May 17, 3:36 PM
    • 12,559 Posts
    • 12,736 Thanks
    zx81
    • #2
    • 12th May 17, 3:36 PM
    • #2
    • 12th May 17, 3:36 PM
    It's a referral. It happens from time to time.
    • dk5294
    • By dk5294 12th May 17, 3:40 PM
    • 166 Posts
    • 19 Thanks
    dk5294
    • #3
    • 12th May 17, 3:40 PM
    • #3
    • 12th May 17, 3:40 PM
    Do you know any reason why it would be referred? I always get nervous with these things. Checked all 3 CRAs before applying and everything as it should be and fit their eligibility.
    • zx81
    • By zx81 12th May 17, 3:51 PM
    • 12,559 Posts
    • 12,736 Thanks
    zx81
    • #4
    • 12th May 17, 3:51 PM
    • #4
    • 12th May 17, 3:51 PM
    Could be anything. ID check, employer check, pulled for internal audit. Could be a backlog caused by a system issue.

    Nothing you can do about it, so just wait and see.
    • TheDebtinator
    • By TheDebtinator 18th May 17, 3:51 PM
    • 229 Posts
    • 63 Thanks
    TheDebtinator
    • #5
    • 18th May 17, 3:51 PM
    • #5
    • 18th May 17, 3:51 PM
    What was the outcome of the review at 6:55pm?
    • Shakin Steve
    • By Shakin Steve 18th May 17, 4:43 PM
    • 834 Posts
    • 617 Thanks
    Shakin Steve
    • #6
    • 18th May 17, 4:43 PM
    • #6
    • 18th May 17, 4:43 PM
    What was the outcome of the review at 6:55pm?
    Originally posted by TheDebtinator
    Come on, now. Someone actually finishing what they started?

    We should make an unwritten rule. We will not respond to posters who have previously left us in suspenders.
    I came into this world with nothing and I've got most of it left.
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