Help with a Santander personal loan

somethingcorporate

I think they removed it just to get rid of you.

Evidently you have not read the replies or links people have posted. There is no such thing as a credit score only a made up number from agencies that don't even lend money. There wouldn't be a negative impact on your file from the factual recording of a single application - multiple applications may suggest you are getting desperate but a single one will tell a lender almost nothing (it doesn't even state whether you were successful or not).

It sounds like you got some duff information from Santander but a little of your own research (and reading the replies here) could have got you a lot further.

Dani-Louise15

I don't know who you think you are saying they removed it to get rid of me!!! They messed up so had no choice to remove it.
Everdently you haven't read my posts, I asked if anyone had a Simula situation, and while I appreciate a couple of replays from people just being kind and trying to help the rest I'm not even sure why they bothered to reply!
I came on hear for help and all I got is a bunch of people that think they know better when clearly iv proved you just like to think you know everything!
Iv been called lier and told the facts I have sitting in front of me are wrong!
I would suggest that in future before attempting to give people advise you find out the facts as the wrong advise could be damaging!

"It sounds like you got some duff information from Santander but a little of your own research (and reading the replies here) could have got you a lot further."

Please read how I did my research and sorted the situation and got everything sorted, unfortunately people didn't understand my question so there answers and rude comments was not helpful one bit! Therefore I would have had no result from the information provided!!!

At the end of the day I think if people read questions and didn't speak down to people and give false information this forum would be a lot more helpful!!!

[Deleted User]

Do you buy your exclamation marks wholesale?

DCFC79

What you had were posters trying to help, some were more helpful than others.

Why weren't Santander professional ?

In post 19 you say "The reason I ask is by law if requested they have to provide the reason they declined you!"

Do you have a link for that ?

As far as I know they don't have to tell you the reason they declined you.

bengal-stripe

You go on, hunting for that loan that doesn't make a credit check on application!

burlington6

Dani-Louise15 wrote: »

Just to be clear the question I am asking is has anyone appealed a loan and then been told a different reason for being declined from the origanl dessision??? The reason I ask is by law if requested they have to provide the reason they declined you!

As stated I have been produced with two different reasons!

Also I am a little annoyed I have come hear to find out if anyone else has had the same thing and all I have been told is there is no possibility the one check from Santender would not have effected my credit file so much.
Fact it has and iv even spoke with company they used as I am a member with them anyway and asked why it has been lowered so much as I though I'd only lose a couple of points but it dropped it a whole section and was advised its due to the check Santander carried out as nothing what so ever in 6 years of the history they had access too showed anything having a negative effect except the Santander loan application! So please please stop telling me it wouldn't have effected it that badly when it has! I couldn't even screen shot my pre and post Santender loan application file and show you but I feel its erelevent as that's not what I was asking!

A Santander staff member advised me to get the lowest rates you must have no defaults on your credit check, which I did not at that point but 20 mins after my appointment I did!


While I understand lenders do not see the score we see, they see it with in their own guidelines and if anything negative is on there.

Points off a score that doesn't exist?