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Lloyds Overdraft Help Please

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Comments

  • chelsealaura16
    chelsealaura16 Posts: 7 Forumite
    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
    MABLE Posts: 4,239 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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
    10pence Posts: 348 Forumite
    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
    stclair Posts: 6,855 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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.
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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:
This discussion has been closed.
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