RBS internal credit scores

tigerlily44

Hi there

I've been turned down for a current account with RBS (I have a Key account) because of an unpaid item charge. This was in error by British Gas who have acknowledged the error and paid the fee for me.
This has damaged my internal credit score with the bank although not reported to Experian - would any of you wise ones out there know if the fact it was not my fault (and that I can prove it) makes a difference?

Or should I wait and if so how long

thanks
tiger

mclaren32

When did it happen?

tigerlily44

mclaren32 wrote: »

When did it happen?

British Gas took the DD on 7th December and I was charged on 14th January, so not long ago

tiger

KingElvis

Banks hate that kind of thing, makes them think you can't run your account properly.

I would try and talk to them about it.

PNPSUKNET

appeal and send a copy of BG letter

Darryl_C

Agree with PNPSUKNET's comments.

Get British Gas to send you a letter confirming their mistake, and their remedial actions taken to rectify the matter for you. Then keep the original and send a photocopy to RBS asking they correct their own records accordingly, asking for confirmation that your internal credit score has been returned to what it was before BG's error and ask RBS to reconsider your application for the current account.

If they fail to deal with this relatively straightforward request in a timely manner (usually 10-14 working days) I would recommend you submit a formal complaint.

The fact you can prove its a mistake, and not one of your own making, means RBS are required to put you back into the position you would have been had this never occured in the first instance.

stclair

One bounced DD would not really make any differnce to an internal credit score in all fairness.

However I would recommend you ask BG to confirm that they made an error regarding your DD.

tigerlily44

stclair wrote: »

One bounced DD would not really make any differnce to an internal credit score in all fairness.

However I would recommend you ask BG to confirm that they made an error regarding your DD.

I've done this and they wrote me a letter that I took to the bank. Guess I just need to wait and see...

tiger

missile

tigerlily44 wrote: »

I've done this and they wrote me a letter that I took to the bank. Guess I just need to wait and see...tiger

You left them with the original? I would write per Darryl_C suggestion referencing the meeting with MR X and ask for your letter to be returned.

tigerlily44

missile wrote: »

You left them with the original? I would write per Darryl_C suggestion referencing the meeting with MR X and ask for your letter to be returned.

No they took a copy of it and sent it off somewhere - don't know where however.

tiger

chambta

The bank can't and won't change anything internally. The fact it bounced will not be only reason the full account declined.