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Is this Credit Card fraud?
Comments
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That's not true of all companies (and perhaps not true of any). I was advised that if you have a notice of correction, it can be looked at by a person who will then make a decision taking the situation into account - if there is no notice of correction the process is entirely automated.
I suspect that not all cases will be looked at by a person (for instance, if I had CCJ, no elector register and high debts) but borderline cases will be (such as just a couple of missed payments).
Despite people assuming that companies don't want to lend any more and are looking for any excuse not to, that's not the way things work. Lenders are wanting as many good customers as they can get - mining through notice of corrections is a cost effective way of finding good customers.0 -
You do have the right to demand that a manual decision is taken - but no guarantee that the person will look at any notice.0
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