Lloyds Overdraft Help Please

chelsealaura16

grumbler wrote: »

He is "flummoxed" why you are "disgusted".
Pretty clear to me that he disagrees except that it had to be "you are" or "you're", not "your".

I am asking for advice about why I have been declined when I have had it in the past not an English lesson


I have had it in the past never thought I would have been declined so that is the reason I want it back. But thanks to all the useful posts

MABLE

chelsealaura16 wrote: »

I am asking for advice about why I have been declined when I have had it in the past not an English lesson


I have had it in the past never thought I would have been declined so that is the reason I want it back. But thanks to all the useful posts

Grumpy does get above him some times.

10pence

chelsealaura16 wrote: »

I have had it in the past never thought I would have been declined so that is the reason I want it back. But thanks to all the useful posts

That's the issue, you've had it in the past and removed the facility, doing this has had a detrimental affect on your internal score card with the bank.

There is no appeal process, more a complaints process. If the bank decide to provide an overdraft facility and then you repeat history by removing it you'll find it nigh on impossible to get another one; best practice is to reduce not remove.

stclair

10pence wrote: »

That's the issue, you've had it in the past and removed the facility, doing this has had a detrimental affect on your internal score card with the bank.

There is no appeal process, more a complaints process. If the bank decide to provide an overdraft facility and then you repeat history by removing it you'll find it nigh on impossible to get another one; best practice is to reduce not remove.

The last time I tried to cancel my unused overdraft with Lloyds they warned me if this prior in the end I just kept it.

grumbler

chelsealaura16 wrote: »

I am asking for advice about why I have been declined when I have had it in the past not an English lesson

What exactly sort of advice were you asking for when saying:

chelsealaura16 wrote: »

Do you agree with me sorry?

:huh: