Hi All,
I have recently applied for a small bank loan (5k) from PTSB (current acc bank) only to be refused, I have checked my ICB and its clear. I did have a problem with arrears with a contract hire car loan which was in my LTD co name with BOS a couple of years ago, the car was repossesed after missing two payments but I managed to get it back in the end, as this loan was paid off in full.
This "blip" is not on my credit history but I still cannot get credit from PTSB, is there a hidden database in these banks, if so how do I find out, I need to call in the data protection act but not sure who to address it to.
Also it maybe a case of these banks being owned by one another if this is true, would it be best to move my money away from PTSB, I havent had a loan since the above, and because of relocation i really need to change my car.
I have recently applied for a small bank loan (5k) from PTSB (current acc bank) only to be refused, I have checked my ICB and its clear. I did have a problem with arrears with a contract hire car loan which was in my LTD co name with BOS a couple of years ago, the car was repossesed after missing two payments but I managed to get it back in the end, as this loan was paid off in full.
This "blip" is not on my credit history but I still cannot get credit from PTSB, is there a hidden database in these banks, if so how do I find out, I need to call in the data protection act but not sure who to address it to.
Also it maybe a case of these banks being owned by one another if this is true, would it be best to move my money away from PTSB, I havent had a loan since the above, and because of relocation i really need to change my car.