Jan 28, 2010
I just had them call me, regarding my recent loand application.....
Let them do their whole spiel before telling them I'd not applied for a loan, went something along the lines of:
"Hello how are you today, i'm calling about your recent loan enquiry. We are now in a position to offer you a much better deal on the amount you requested. Please be aware we are not a broker but an actual lender and the money will be in your account in 72 working hours. All I need from you is your account details and then a card number to make a pre-authorisation to check the account is valid. Also we do not do any credit checks, how much did you want to borrow."
I said "If i've applied for a loan surely you can tell me how much I originally asked for" to which she said "But we are now in a postion to offer you a much better deal. How much would you like?".
When I then said "I've not applied for a loan with anyone, and i'm definitely not going to give you my credit card details" they hung up immediately. (Probably to ring the next person on their list)