How to proceed overdraft, after a refusal??

BugsyBrowne

dr_adidas01 wrote: »

I don't however it doesn't matter if the OP doesn't have adverse credit information else where.

If they have a CPD marker on there account no credit facilities will be offered depending on what the CPD marker has been placed against.

If they do have adverse information on there credit files then this maybe why a CPD marker has been placed on the account.

So my previous post was correct even if you run your account perfectly you won't be offered any credit facilities by the bank!!!!!

This is 100% correct.

stclair

vino005 wrote: »

Hai,

I run an account with Lloyds and been refused for over draft, once when I was into bank and couple times online.

When I was into bank and had a chat with lady on help desk, she told me I had good credit reference and showed me some points showing 1 (I have run the account for two plus years and have run a direct debit contract for 24 from same account, without any dd fail or bounce. :j

But she insisted me to have some cash left in excess like £100 or £200 to be eligible for successful application. ( coz I move all money to other account or send back home and leave it around 50's for direct debits.

From then my lows were 13jul £84, 15 Aug £51, 17 Aug £171, 28 Aug £301, 12 Sep £172, 17 Sep £274, since then till date low is £408.

[note: if I state as low, I hav gone above like 500 to 800, and with txn pitching up and low, the lowest after few txn wre as given]

Since then I made two online od application and got refused, one to latest (a week back). ( I put up for £1000):mad:

Could someone help me gaining successful application.

How must should I operate to get £1000 like, I intend to start some business by next apl, so must raise od's and funds to support a big credit. When shell I make a application next.:beer:

You could appeal by writing to:

Personal Lending Department
Secured & Specialist Lending
New England Street
Brighton
East Sussex
BN1 4GU

Enclosing a copy of your call credit and experian credit reports.