Halifax Clarity appeal success

Simon7685

I think it is the LBG computer that causes the problems as opposed to Halifax. I applied last December for a Halifax CC and was rejected despite being good enough for an overdraft facility (unused in 3 years) and having had a loan with them and always maintained at least a £300 balance in my Reward Current Account.

So I appealed the decision and was successful in it getting a £3k limit and a 16 month 0% purchases deal. After 6 months of using the card and repaying in full each month they slashed my limit to £600 overnight. I wrote a letter of complaint and received a phone call within 48 hours. They agreed there was absolutely nothing wrong with the way I had operated my accounts with them and nothing negative on my credit file.

I received an apology, the underwriters blamed the computer for the decrease and they reinstated my limit of £3k straight away. So it seems to me that the LBG computer system seems to get a lot of decisions wrong. It also confirms for me that whilst computers are necessary in 2015, sometimes things should be looked at by people before decisions are actually made.

tomxlisa

Like the person has said above did any of you who got rejected use the eligibility checker on this site and if so what did it say?.