MBNA closed new account

Shery1997

Hi all,

Sorry I have been busy with life, received the N Hunter response a while ago but didn't get a chance to post it one here.

Here is it,

There are 5 "submission detail"

2 are from Creation Financial Services - 06/05/2017 & 24/01/2017

3 are from New Day - 30/04/2017 & 27/02/2017 & 31/01/2017

All these submissions have a page each with the details I submitted at the time of application. The only anomalies/fraud/deception that I can see is in one submission my work number is listed as my home. lol

All these submission classification is "decline" although I never applied for these 5 applications, I suspect them to be soft searches because I AM SURE I DIDN'T apply and PLUS THERE NO SEARCH RECORD.

Plus all sections on the each submission show status as 'Clear' with every overall all status as 'Clear' too.

The 'Reason' and 'Notes' on every submission is "No recorded notes" " No Selected Reason"


Now is any clearer as to why MBNA did what they did?

I feel as they just don't want to lend to me taking into account my last post as well.

While busy with life I brought a car on finance ( Hire Purchase), the finance manager at the dealer said Barclays the lowest lowest APR in his opinion. I did say Barclays would decline as my credit limit with them is £150 and they refused to increase but he insisted so he sent and it went to referral and decline and the next minute he sent it to Santander and it went referral and accepted 10 mins later at decent APR. I know it's easier that it's against car but still it got approved and it's already reporting on the credit file.
After the car I applied for Tesco 15 months 0% and it told me my application is referred and they would contact me in 5 days. Two days later I contacted them and they said they are doing their checks and would let me know of their outcome. 5 days after that I called them and they told me I was approved and the pin and card are in the post. The next day I got the pin, just waiting on their card.


What should I do now? Forget MBNA and move on?