A&L waiting time before becoming a customer again

regularsaver1

this would probabaly fail based on your credit score - maybe worth getting hold of your report

masonic

regularsaver1 wrote:

this would probabaly fail based on your credit score - maybe worth getting hold of your report

Why would reclaiming bank charges lead to problems with ones credit score?

regularsaver1

its not the reclaiming - it would be having them in the first place, unless A&L ammended the credit file at the same time?

masonic

regularsaver1 wrote:

it would be having them in the first place

Perhaps, although the OP didn't give any indication of their frequency or when they occurred, so "probably fail" is a bit of a stretch.

regularsaver1

yeah possibly

but i remember having used to work in bank accounts that if we saw a charge, it was unlikely to go through - you never know though. and the credit files could be corrected possibly

Stonk

Flipping cheek, OP!

I don't think they will ever have you back. If, say, you hired a builder to build you a wall, paid him some money up front, and he legged it without building the wall - would you hire him to build you an extension 3 months later? Or would you only do that after 6 months, or a year? I hazard a guess that your answer is "never".

You have fundamental differences of opinion with A&L, i.e., they want to charge you for things that you think you should get for free. So why on earth would you want to go back?!

mr1974

masonic wrote:

Perhaps, although the OP didn't give any indication of their frequency or when they occurred, so "probably fail" is a bit of a stretch.

It is, indeed. My credit file is faultless.
mr

M_Thomson

masonic wrote:

Perhaps, although the OP didn't give any indication of their frequency or when they occurred, so "probably fail" is a bit of a stretch.

The posters credit file may be ok, but the internal file with A&L will not be. Like someone said a couple if posts ago, I think the person is pushing their luck to not agree with charges, then wanting to take advantage of A&L again.

M_Thomson

mr1974 wrote:

It is, indeed. My credit file is faultless.
mr

Are you sure? Were the charges incurred for going overdrawn, or for failed direct debits.

masonic

M_Thomson wrote:

The posters credit file may be ok, but the internal file with A&L will not be. Like someone said a couple if posts ago, I think the person is pushing their luck to not agree with charges, then wanting to take advantage of A&L again.

Sure, A&L will not want to expose themselves to that risk again. It seems pretty likely that they will reject the application on that basis, but perhaps worth a try anyway.