NatWest refuse to remove their hard search.

PRAISETHESUN

In my experience, it's usually very clear when the banks are about to perform a hard credit search on you. It's usually towards the end of the application process, but not always. As above, the searches will have less impact in a few months so then I wouldn't bother - by the time you've finished complaining about it (particularly if you escalate to FOS, which already has a backlog of several months from what I hear) enough time will have passed that they won't affect much anymore.

Ramon1

Deleted_User said:

It reduces the number of manual workarounds they have to do. 

In other words they're just lazy to do it?  They prefer to play an email ping pong with me rather that do the one thing?

[Deleted User]

No. A lack of joined up operations rather than either laziness or a love of either ping or pong.

Ramon1

PRAISETHESUN said:

In my experience, it's usually very clear when the banks are about to perform a hard credit search on you. It's usually towards the end of the application process, but not always. As above, the searches will have less impact in a few months so then I wouldn't bother - by the time you've finished complaining about it (particularly if you escalate to FOS, which already has a backlog of several months from what I hear) enough time will have passed that they won't affect much anymore.

That's what I was thinking as well.
But can someone tell me if their website is really clear about it?

If it was just 1 search, but 2 for literally nothing? I think I'm going to send them another email.

k3lvc

Ramon1 said:

PRAISETHESUN said:

In my experience, it's usually very clear when the banks are about to perform a hard credit search on you. It's usually towards the end of the application process, but not always. As above, the searches will have less impact in a few months so then I wouldn't bother - by the time you've finished complaining about it (particularly if you escalate to FOS, which already has a backlog of several months from what I hear) enough time will have passed that they won't affect much anymore.

That's what I was thinking as well.
But can someone tell me if their website is really clear about it?

If it was just 1 search, but 2 for literally nothing? I think I'm going to send them another email.

What are you expecting from this ? If you keep sending them emails you could well become a nuisance customer and not worth their time/effort maintaining an account with you

finalfantasist

Ramon1 said:

PRAISETHESUN said:

In my experience, it's usually very clear when the banks are about to perform a hard credit search on you. It's usually towards the end of the application process, but not always. As above, the searches will have less impact in a few months so then I wouldn't bother - by the time you've finished complaining about it (particularly if you escalate to FOS, which already has a backlog of several months from what I hear) enough time will have passed that they won't affect much anymore.

That's what I was thinking as well.
But can someone tell me if their website is really clear about it?

If it was just 1 search, but 2 for literally nothing? I think I'm going to send them another email.

So they've made it clear you might be credit searched and as they've not said when they've not done anything wrong.

It might be less common to search earlier on in the application but you were warned, before proceeding with the application, that there might be a credit search.  Backside covered I think.

Ramon1

k3lvc said:

What are you expecting from this ? If you keep sending them emails you could well become a nuisance customer and not worth their time/effort maintaining an account with you

I'd like to know if their website "clearly says" they will do hard searches at the beginning of the application and that it will be more than one search per application. Maybe I'm just dumb but I really don't see anything clear about it on the website they referred me to.

They can close my account if they wish. If they prefer to lose their customer and keep their stupid searches, rather than the other way around.
I now understand why RBS/NatWest have had the worst rating for several years.

Thrugelmir

Next time think twice before starting applications. Lesson learnt. A bank isn't going to change their proccesses just for you. 

There's tell tale signs in business when a customer simply isn't worth the bother of having. 

Ramon1

finalfantasist said:

So they've made it clear you might be credit searched and as they've not said when they've not done anything wrong.

It might be less common to search earlier on in the application but you were warned, before proceeding with the application, that there might be a credit search.  Backside covered I think.

It's very vague. They "might" (or might not) do the search. It doesn't even mention the words full ckech or something similar like most other banks do.
Normally the search would be at the end of the application. Doing it at the beginning is quite non standard I think and should be mentioned.

All it takes is one line of text saying "By proceeding to the next page we will carry out full credit check".

Ramon1

It also doesn't mention multiple searches for one application.