Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




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    Cagger since : Jun 2016

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    Angry RBS Loan Appeal Details?

    Hi All,

    I know this forum is about getting yourself out of debt,
    but I'm at a time in my life where I'm getting married so applied to my bank (RBSicon) for a loan of 2,000.
    A small sum for a quiet weddingicon.


    I have been a customer with them for years and have always been on good terms.
    They declined me, for reasons unknown
    - they know how much I make as they process the wages!!


    Their website doesn't have appeal information so was wondering if anyone could help me out?


  2. #2

    Default Re: RBS Loan Appeal Details?

    I would check your credit file on www.noddle.co.uk and also on www.clearscore.com.
    Both are free to register and access your files and it may throw some light as to why.
    Im not sure there is an appeal process for loan declination


  3. #3

    Default Re: RBS Loan Appeal Details?

    but don't go rushing to settle any default
    it wont improve your score nor remove any default
    and for go sake
    if its a DCAicon


    NEVER EVER RING THEM
    they ARE NOT BAILIFFS

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data costs
    If you want advice on your thread please PM me a link to your thread
    DX
    RIP Martin3030

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  4. #4

    Default Re: RBS Loan Appeal Details?

    Quote Originally Posted by ConzoAllan View Post
    [...] applied to my bank (RBSicon) for a loan of 2,000.
    [...]
    They declined me, for reasons unknown
    If you have been using payday loansicon, the bank will see it as an indication that you struggle to budget your finances. Regardless of how long you have been a customer, they will base their business decision on the data available to them. Payday loans will be a red flag as far as they are concerned. You could try appealing to the branch manager, but he/she is not obliged to listen.

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