However, lenders make credit granting decisions based on both ability to repay a debt (income) and willingness (the credit report) as indicated by a history of regular, unmissed payments.
Obviously, as with the case of credit granting, sales were given top priority by managers and sales people alike, while credit and collections took a noticeable back seat.
What the complaints process doesn't usually cover are bank policies such as credit granting policies, interest rate settings or service charges and fees.
