RIght,
I applied for a BOI credit card increase a few months ago over the phone and it was declined, as I was told that I had missed a payment within the last 6 months from my current account to a loan I already have with the BOI.
I had not missed a payment and promptly went into a branch of the BOI to find out what was happening with my loan as I was concerned something had happened that I was not aware of. The lady in the bank told me there were no payment problems and all payments were up to date. I explained to her what had happened with the CCand she was bemused and couldn't give me an answer.
I just got off the phone with BOI again, for a different increase and they again refused me on the basis that I missed payments on my current account for items that the guy on the phone could not give me details of.
I told him that it was not possible for a payment to be missed for anything, as I have a high balance in my account and have done for that past few months. I also questioned way the decision i made through the current account and not through my past history on the credit card, which is excellent. He just stated that it was to do with my credit history, blah, blah...but still could not answer me as to what was wrong with my current account.
I double checked my current account and all payments went through as normal and nothing is missing...so, why are BOI blemishing my name by saying I am missing payments, when in fact, I am not.
And more importantly what can I do about this?
I am just so annoyed, I always pay my CC bill on time, I clear it 100% almost all the time and am never late with payment. The same with my current account.
What recourse do I have with this as I am highly annoyed with what is going on?