Virgin Money urgent help

[Deleted User]

Some providers will decline you automatically as they don't want to spend time/money on the extra checks required. 

GTR_King

Who will decline me instantly?? 

I thought they weren’t allowed to Decline you if you have Cat 1 & 2 Cifas  as you been a victim etc 

that’s what virgin money told me, 

colsten

All banks are allowed to decline applications regardless, and without explanation.

GTR_King

I know banks can do that 😊 if they wanted to..

But thought if you have Cifas cat 1 & 2 and have a very good credit history e.g no CCJs or Bankrupt etc they would accept you but just do extra checks

saw that on Cifas website  

So banks Mobile phone company’s etc are too lazy to extra checks & will just decline you instantly?? 

I think that’s really stupid if they do wasn’t my fault someone used my details etc 

colsten

It's not a question of laziness but a question of policy & cost. Some might do the extra checks, others might not.

GTR_King

Ooh so so basically most banks e.g Lloyds HSBC & phone company’s e.g o2 ee will do checks, 

But some of the small companies might not due to cost etc 

Lloyds did & will find out tomz if they accept me & due for phone upgrade soon hopefully can get the new iphone