RBS internal credit scores

stclair

I dont know the direct number off the top of my head but you could always call the main switchboard on 0131 556 8555 and ask to be put through.

However to be honest I dont think they will take calls from customers but you could always give it a try though.

Did you ever find out from JD Williams why they declined you for an account, as I thought everyone could get an account with them.

tigerlily44

stclair wrote: »

I dont know the direct number off the top of my head but you could always call the main switchboard on 0131 556 8555 and ask to be put through.

However to be honest I dont think they will take calls from customers but you could always give it a try though.

Did you ever find out from JD Williams why they declined you for an account, as I thought everyone could get an account with them.

Its just I've read on here that some RBS/Natwest employees have given the number out to customers wanting to query decisions. In my case its to know exactly why as I've had so many detractors on this thread telling me it wasn't for that reason when the branch employee was telling me categorically that it was.
I know without a direct number that I will get fobbed off with the standard 'They don't take calls from the public' line.

As for JD Williams - probably as not on the electoral roll at the time as didn't appear until January as part of council bulk upload to the CRAs, probably would if tried again now

KingElvis

Tigerlily, I seriously doubt you'll get through to the AVU and if you do, I doubt even further they would tell you anything.

If you do get the number though, expect to be visited by the KGB, CIA, MI5 etc etc

Good luck.

tigerlily44

KingElvis wrote: »

Tigerlily, I seriously doubt you'll get through to the AVU and if you do, I doubt even further they would tell you anything.

If you do get the number though, expect to be visited by the KGB, CIA, MI5 etc etc

Good luck.

Let's hope they don't have that much power :rotfl:


I can be quite tenacious when I get going though

tiger

chambta

I work in a branch and have put customers through to them many times without issue.

stclair

tigerlily44 wrote: »

Its just I've read on here that some RBS/Natwest employees have given the number out to customers wanting to query decisions. In my case its to know exactly why as I've had so many detractors on this thread telling me it wasn't for that reason when the branch employee was telling me categorically that it was.
I know without a direct number that I will get fobbed off with the standard 'They don't take calls from the public' line.

As for JD Williams - probably as not on the electoral roll at the time as didn't appear until January as part of council bulk upload to the CRAs, probably would if tried again now

Do you not think that may have aslo been a contributing factor for your RBS decline the fact you have only been on the Electoral register since January?

tigerlily44

stclair wrote: »

Do you not think that may have aslo been a contributing factor for your RBS decline the fact you have only been on the Electoral register since January?

At my new address - I was on the electoral roll at my previous address and all that shows on my CRA reports

tiger

Nothanks

There are 3 basic reasons (broadly speaking) for an rbs decline. 1. Declined on credit scoring. 2. Declined on affordability. 3. Declined by branch override.

If the branch manager made the decision not to open the account it could be because of your unpaid item. Key accounts don't generate a pre-assess, so the bank has nothing to work on except a few months of basic account with an unpaid item, regardless of the reasons/blame.

Also, in my experience, the chances of a key-current upgrade going up to the lending team at all are remote. Tell customer it's referred, Do nothing, wait a few days, tell them it's been declined.

cmatt

PNPSUKNET wrote: »

I would change banks anyway, rbs soon santan trash

not quite. rbs are only selling their physical branches off in england and selling off natwest branches in scotland. Satan-der are not buying RBS banking group at all. You can pay into rbs in a natwest and vice versa, as long as you have a paying in book.

On topic, I have had this internal score bs from bank of scotland for the past 7 (on and off) years I have been with them.

I gave up on them ever accepting me for anything and moved elsewhere... So if you can OP see what other banks can offer.

tigerlily44

Nothanks wrote: »

There are 3 basic reasons (broadly speaking) for an rbs decline. 1. Declined on credit scoring. 2. Declined on affordability. 3. Declined by branch override.

If the branch manager made the decision not to open the account it could be because of your unpaid item. Key accounts don't generate a pre-assess, so the bank has nothing to work on except a few months of basic account with an unpaid item, regardless of the reasons/blame.

Also, in my experience, the chances of a key-current upgrade going up to the lending team at all are remote. Tell customer it's referred, Do nothing, wait a few days, tell them it's been declined.

Well, I phoned RBS (again). No outcome as yet, the girl who's doing it is off and no one can phone where its gone to (PLU apparently).

I said what I had been told on this forum for it all to be strenuously denied (she said I had been misled and demanded to know who had told me) but I held firm and said that I wanted to know the outcome.
Apparently she is getting back to me today after 'she's seen what she can do'.

Not holding my breath

tiger