bigbadostric
Registered User
- Messages
- 62
Hi all,
Having a very hard time with AIB at the moment. I have a €27,000 loan over 5 years with BOI and want to switch to AIB to take advantage of preferential interest rate. I have a perfect credit history, am in a permanent job and my mum who is an AIB customer is willing to go guarantor on it so I didnt see any problems.
However they rang me on Friday (after two weeks) to say that as it was an unsecured loan and that my wages were not coming into an AIB account that they could not do it for me. I told them it would not be unsecured as my mum would be guarantor at which point the salesperson balked and said that she would ring me back this morning. Of course she never did, and I just rang them to see what the story was and no one was available.
My question is given that I have not filled out an application form, and they have only taken my basic details how on earth have they refused me for a loan? I handed in my 6 months statements and to be honest I'm extremely confused. Surely they would have needed my signature to check credit history? (Which as I said is 100% clean)
I know I'm not an AIB customer but I'm quite angry that they are being so troublesome, as I am as close to a 0% risk as they will find.
Having a very hard time with AIB at the moment. I have a €27,000 loan over 5 years with BOI and want to switch to AIB to take advantage of preferential interest rate. I have a perfect credit history, am in a permanent job and my mum who is an AIB customer is willing to go guarantor on it so I didnt see any problems.
However they rang me on Friday (after two weeks) to say that as it was an unsecured loan and that my wages were not coming into an AIB account that they could not do it for me. I told them it would not be unsecured as my mum would be guarantor at which point the salesperson balked and said that she would ring me back this morning. Of course she never did, and I just rang them to see what the story was and no one was available.
My question is given that I have not filled out an application form, and they have only taken my basic details how on earth have they refused me for a loan? I handed in my 6 months statements and to be honest I'm extremely confused. Surely they would have needed my signature to check credit history? (Which as I said is 100% clean)
I know I'm not an AIB customer but I'm quite angry that they are being so troublesome, as I am as close to a 0% risk as they will find.