So basically I have a CCJ and 2 Defaults on my credit file (all fairly old). I have a Lloyds Bank account and they gave me a personalised rate (21.9%) for a personal loan.
Basically I applied, on the off chance and it got referred. Came back declined.
My moms friend works for Lloyds so we gave her a call and she said that their systems say I'm blacklisted? What could that mean? How do you get blacklisted by a bank? Is it because of the CCJ and Defaults? Would imagine they wouldn't even give a personalised quote online if that's the case?