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Loan denial & reapplying.

  • 20-03-2017 03:39PM
    #1
    Lorna93
    Registered Users, Registered Users 2 Posts: 23 ✭


    Hi,
    I was denied a loan, well from what I believe. I applied the 11th of the month, got a phone call to ask some questions and then heard nothing back. I rang the 16th just to be told I've been unsuccessful and the phone was then hung up by the rep. I had no explanation what so ever. I decided to reapply for a smaller amount (thinking that may have been the problem) but I've been told I can only reapply after 3 months but they'd forward the application onto the loans department either way. Will this have a negative affect due to my applying twice? Is there anyway I can find out why I was denied and appeal the decision? I've had 3 previous loans and paid them all on time or even had them paid early.
    Thanks


Comments

  • #2
    Bank of Ireland: Tara P
    Closed Accounts Posts: 573 ✭✭✭Bank of Ireland: Tara P


    Lorna93 wrote: »
    Hi,
    I was denied a loan, well from what I believe. I applied the 11th of the month, got a phone call to ask some questions and then heard nothing back. I rang the 16th just to be told I've been unsuccessful and the phone was then hung up by the rep. I had no explanation what so ever. I decided to reapply for a smaller amount (thinking that may have been the problem) but I've been told I can only reapply after 3 months but they'd forward the application onto the loans department either way. Will this have a negative affect due to my applying twice? Is there anyway I can find out why I was denied and appeal the decision? I've had 3 previous loans and paid them all on time or even had them paid early.
    Thanks
    Hi Lorna93,

    Thank you for contacting us here on Boards.ie.

    To discuss your recent loan application you would be best to speak with a customer advisor at your branch.

    See here for branch contact details.

    If you’d like to book an appointment at your branch to meet with an advisor please see here.

    Thanks,


    Tara C


  • #3
    Lorna93
    Registered Users, Registered Users 2 Posts: 23 ✭Lorna93


    Thanks for replying so quickly Tara. I actually work Mon-Fri until after 5 and would never have time to make it into my local branch which is 30 minutes away. Is there a way for me to call them or does it have to be in person?
    Bank of Ireland: Tara C wrote: »
    Lorna93 wrote: »
    Hi,
    I was denied a loan, well from what I believe. I applied the 11th of the month, got a phone call to ask some questions and then heard nothing back. I rang the 16th just to be told I've been unsuccessful and the phone was then hung up by the rep. I had no explanation what so ever. I decided to reapply for a smaller amount (thinking that may have been the problem) but I've been told I can only reapply after 3 months but they'd forward the application onto the loans department either way. Will this have a negative affect due to my applying twice? Is there anyway I can find out why I was denied and appeal the decision? I've had 3 previous loans and paid them all on time or even had them paid early.
    Thanks
    Hi Lorna93,

    Thank you for contacting us here on Boards.ie.

    To discuss your recent loan application you would be best to speak with a customer advisor at your branch.

    See here for branch contact details.

    If you’d like to book an appointment at your branch to meet with an advisor please see here.

    Thanks,


    Tara 


  • #4
    Bank of Ireland: Nicola
    Closed Accounts Posts: 735 ✭✭✭Bank of Ireland: Nicola


    Lorna93 wrote: »
    Thanks for replying so quickly Tara. I actually work Mon-Fri until after 5 and would never have time to make it into my local branch which is 30 minutes away. Is there a way for me to call them or does it have to be in person?
    Bank of Ireland: Tara C wrote: »
    Lorna93 wrote: »
    Hi,
    I was denied a loan, well from what I believe. I applied the 11th of the month, got a phone call to ask some questions and then heard nothing back. I rang the 16th just to be told I've been unsuccessful and the phone was then hung up by the rep. I had no explanation what so ever. I decided to reapply for a smaller amount (thinking that may have been the problem) but I've been told I can only reapply after 3 months but they'd forward the application onto the loans department either way. Will this have a negative affect due to my applying twice? Is there anyway I can find out why I was denied and appeal the decision? I've had 3 previous loans and paid them all on time or even had them paid early.
    Thanks
    Hi Lorna93,

    Thank you for contacting us here on Boards.ie.

    To discuss your recent loan application you would be best to speak with a customer advisor at your branch.

    See here for branch contact details.

    If you’d like to book an appointment at your branch to meet with an advisor please see here.

    Thanks,


    Tara
    Hi Lorna93, some of our branches are open on Saturdays. Please see here for more details, otherwise you can call your branch here.

    I hope this helps, let me know if you need anything else.

    Thanks
    Nicola


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