Lloyds Bank

stclair

simax wrote: »

I love that reason .....

"Get a copy of your credit reports and send them to us"

What's the f*cking point? They've already seen the bleedin thing electronically already.... waste of time.

Erm not not really and less of the language.

If you view the credit scoring leaflet it clearly states issues regarding lending you should send the credit report as detailed above along with their account details.

Unless you know anything else or you can share anything else then please feel free to let mse know.

JuicyJesus

simax wrote: »

I love that reason .....

"Get a copy of your credit reports and send them to us"

What's the f*cking point? They've already seen the bleedin thing electronically already.... waste of time.

Not necessarily true. Often the actual report itself isn't seen or saved anywhere within the bank (indeed it shouldn't be as per the DPA), it's just assessed by decisioning software and a result is spat out. The reason they'd want to see the credit file directly is so it can be looked at by an underwriter who could make a judgmental decision.

Alternatively, through the process of the consumer getting it, it would show them more obvious reasons for a decline (e.g. poor conduct, CIFAS, CCJs, defaults, missed payments, etc.) which they can either rectify or understand the reasons for.

Finally, if they were to do a manual search through Experian or whoever, this would show as another credit application and therefore adversely affect the customer. There is no "penalty" for viewing a report yourself.

innovate

simax wrote: »

What's the f*cking point?

The - as you call it - f*cking - point is that they give you the opportunity to send them your credit reference file report with your comments as to why the credit reference file report is an inaccurate representation of your actual situation. So that they can reconsider your application, taking into account your explanations as to why the information on your credit reference file is incorrect, and why you have as yet not been able to convince the credit reference file operator and their sources to correct your file.

If you refrain from using words with asterisks and have solid evidence that your credit reference files are out of line with reality, you are unlikely to be turned down again on the strength of your credit agency files.

jonesMUFCforever

innovate wrote: »

If nothing else, this proves that the OP is a troll. Nobody in Lloyds calls their customers 'mate', and for starters, Lloyds employees wouldn't say "don't really know" if they don't really know.

Unfortunately this is true - the bank has no standards these days - !!!!!!!!ting is king, normal people don't stand a chance.