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HSBC 'Pre Approved' Loan call

mozzer251
mozzer251 Posts: 31 Forumite
Hi,

Recieved a call from a 'nice' lady at HSBC advising me that as a valued customer etc, etc they could offer me a loan at quite a nice rate. I asked if it was 'pre-approved' as I know that overdrafts etc are and she said 'yes' it was based on my Currect Account usage etc.

I declined, but is this a real 'pre-approved' deal?
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