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Another possible reason why I got declined for a mortgage

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I just checked and halifax are part of LLyods banking group.

When it comes to Llyods i believe I have a CPD (at what level I don't know) on my account which means for some products like loans and mortgages it's a flat out decline.

I managed to get a llyods credit card but every time I do a quotation it comes back as 29.9% which usually means decline.

Does there system link in someway? Don't have an account with halifax.

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