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[quote][i]Originally posted by Graham88[/i] Went into the bank (Abbey) to see about a loan today, and they can only give me a quote based on there best interest rate (8.9%APR). I asked for a quote on my own credit as I doubt I'll be liable for that as I've only got a contract phone and had one loan in the past so hardly going to be brilliant. She then asked if I wanted insurance I said how much is it, and she couldn't say as they don't offer it in branch, you have to use the phones? So anyway I asked for the in branch quote without insurance and she said if she does that my credit will go down and APR will go up? And then when they quote me with insurance it'll do the same again, and if and when I take it out they'll do it again and APR will rise each of those times? Wtf is that about? So basically if I get a quote I'm more or less pushed into taking the loan at the time or I risk my credit getting worse? Seriously is there a way around this? For all I know they're going to do a credit search and I'll be getting charged 25% but they'll expect me to take it there and then or my credit will get worse :boggle: [/quote]
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