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Lloyds TSB Risk Band?
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From my experience Lloyd's does seem to actually look at your account and how it is run when making decisions. So someone with a good history, but currently apparently living beyond their means, might get a CPD marker. Whereas someone else who has a worse history, but shows a steady/rising income, may well get approved.
This of course only applies to those who bank with them! If you for instance have 2 jobs, and get paid into 2 accounts with different banks, it would be hard for their system to know that.Unless it is damaged or discontinued - ignore any discount of over 25%0
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