Sub Prime Credit Thread Part II

Tef

Evening all can you believe after three weeks MBNA finally gave a decision ?

Thank you for your recent application. I regret to inform you that after careful consideration, we are unable to grant you a
credit facility at this time.
Each application receives personal attention from a Credit Analyst who takes into consideration all of the available
information.
I am sorry that we cannot be of service on this occasion.
Yours sincerely
Suzanne Johnson

Now correct me if I'm wrong but dont they have to say why? i.e credit score credit profile etc?

Regards

cifpower

Innocent_Guy wrote: »

How many!!!! :eek: :eek: I thought mine were alot

I have about 10 visable searches
25 - Unrecorded searches

Why do you have so many??

I went a bit mad with the old apply button and didn't know that it would affect you

sutton111

Tef wrote: »

Evening all can you believe after three weeks MBNA finally gave a decision ?

Thank you for your recent application. I regret to inform you that after careful consideration, we are unable to grant you a
credit facility at this time.
Each application receives personal attention from a Credit Analyst who takes into consideration all of the available
information.
I am sorry that we cannot be of service on this occasion.
Yours sincerely
Suzanne Johnson

Now correct me if I'm wrong but dont they have to say why? i.e credit score credit profile etc?

Regards

I don't think they have to give you a particular reason in a letter, most of it's bloody rubbish anyway. "After reviewing your application unfortunately blah blah blah" LOL

You could give MBNA a ring and ask to speak to an underwriter, they will tell you why.

Innocent_Guy

cifpower wrote: »

I went a bit mad with the old apply button and didn't know that it would affect you

Ha Ha - So they are due to drop off soon?

How much did you actually get approved for?

sutton111

Innocent_Guy wrote: »

Ha Ha - So they are due to drop off soon?

How much did you actually get approved for?

Did you finish processing all your Subject Access Requests?

sutton111

seeya23 wrote: »

good evening to all

Good evening Seeya.

You applied for anything recently?

Innocent_Guy

sutton111 wrote: »

I don't think they have to give you a particular reason in a letter, most of it's bloody rubbish anyway. "After reviewing your application unfortunately blah blah blah" LOL

You could give MBNA a ring and ask to speak to an underwriter, they will tell you why.

They all give that stupid reason - It means WE DONT TRUST YOU WITH OUR MONEY

Cheeky bast*rds

Innocent_Guy

sutton111 wrote: »

Did you finish processing all your Subject Access Requests?

Hey sutton,

All done will let you know when I get my responces...

seeya23

sutton111 wrote: »

Good evening Seeya.

You applied for anything recently?

no not yet:beer:

sutton111

Innocent_Guy wrote: »

Hey sutton,

All done will let you know when I get my responces...

Good!! Yes I would like to know the responses, it would be very interesting to find out what particular data they hold on someone, far to much probably.

I did read through the mountain of posts this morning between yourself and never-in-doubt. Enlightening!!