That will just be a standard refusal letter.I was told yesterday we would be getting a letter and that we can appeal the decision. I am going to write a stinking to the manager of our branch..
Hi there Mr. Bear and I applied for a small loan with BOI. We were refused. The thing is we have savings - which would be more than we were asking for.
The thing is we have savings - which would be more than we were asking for.
Hi there, the savings we have are a rainy day fund. we have about three months of a rainy day fund and should anything happen either of our jobs we would need this. However if we take out a loan we can pay insuance on it.How does it make sense to take out a loan if you already have savings ?
So would I and I would bad mouth them all over the place.I wouldn't even bother talking to them. I would close all my accounts and go elsewhere.
I see why you are annoyed but if the banks have changed their lending criteria due to the current climate you shouldn't take it personally. It's not about you it's about business. If you like the bank and have a good relationship this shouldn't make you move. If it's any consolation my bank have told me I probably won't be able to get a loan either and like you I have a perfect record and this bank told me that they don't believe the big 2 are giving out loans either despite what they are saying.What is annoying us - is that we have been very good customers, we saved with the SSIA with them and still get calls about new savings account to sign upto.
I am so annoyed that I want to leave this bank and take my business else where. Am I being hasty in my decision?
P
they don't believe the big 2 are giving out loans either despite what they are saying.
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