Do not approach them for finance. These days they will run a hard enquiry on your file without taking your consent so once the enquiry they made on your file it will reduce your points so you will go through them for finance because you don’t want any other lenders to run a credit check on your file because it will impact negatively. I will be taking them in the court and AFCA for made enquiry on my file without my consent. So be careful do not let them do a hard enquiry until you know the interest rate they offer.
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