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Refused credit and mystified.

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Comments

  • Dr_Cuckoo3
    Dr_Cuckoo3 Posts: 1,398 Forumite
    Cheque and Cash credits are worthless as far as internal scoring is concerned

    Perhaps then they do not trust the OP to put funds into the account as it is not done by bacs. Also the OP does not say how long they have had the account. May only be a few months.
    I recently asked my bank of six years to give me a short term overdraft facility
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
  • Frog_Prince
    Frog_Prince Posts: 43 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    edited 18 April 2011 at 7:37AM
    It's a pity that some of you think I'm making this up. I seem to lack credibility everywhere...

    I am paid by BACS transfer in the fouth week of every month. "Salary cheque" is merely a turn of phrase. The bank is Allied Irish Bank. I am on the electoral roll. I have had the account for 6 years.
    "That which does not kill you will hurt like hell", Friedrich Nietzche.
  • Atom
    Atom Posts: 295 Forumite
    Weren't they banks recently bailed out ? maybe they just see that you will make them no money at all or maybe your just a troll.
    The only real security that a man can have in this world is a reserve of knowledge, experience and ability.
  • Dr_Cuckoo3
    Dr_Cuckoo3 Posts: 1,398 Forumite
    Allied Irish Bank are an odd bank - so the OP is probably correct

    A visit to a Metro Bank branch with a few months Allied Irish Bank statements should result in a current account being opened on the spot and an overdraft within 3 days if not instantly

    They manually approve overdrafts
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
  • maybe just open a few credit cards then after 6 months of positive payments try again, its probaly just a lack of history
    Aqua card - £250 Limit up to date, Jd Williams £150 limit up to date, Argos store card £400 limit up to date, Next £300 limit up to date.:beer:
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