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The Sub Prime Credit Thread - Part IV

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Comments

  • edinburgher
    edinburgher Posts: 13,892 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    never-in-doubt wrote: »
    Ok dad, won't happen again :(:(:(

    I'd be the sort of dad who sends the kid to bed early, but brings it some pizza anyway :D
  • Zack1
    Zack1 Posts: 1,433 Forumite
    ElkyElky wrote: »
    While you're out of the overdraft, consider cancelling it immediately. You can reap the benefits of being in credit for a change. :D
    Haha! What benefits are these by the way? It wouldn't make me leave any more money in there, I'd just be on £0.27 rather than -£999.73:p
    edinburgher wrote: »
    I'd be the sort of dad who sends the kid to bed early, but brings it some pizza anyway :D
    :D
  • fairmorn308
    fairmorn308 Posts: 1,530 Forumite
    Ok guys will speak later. Am off to post office to post my complain letters to Littlewoods and Vanquis
  • noah271007
    noah271007 Posts: 1,248 Forumite
    Its-A-New-Age-Thing wrote: »
    No niddy im fed up u correctin factual information ive been given

    and as far as im concerned u can just p!ss off

    dont bother talkin to me again ill return the favour and likewise dont bother commenting on my posts

    I'm sorry mate, but I am with Nid here. He DOES know what he is talking about...I know him for a long time and he is no crook. What he says 99.9% is factual. He wouldn't make this up if it is not factual. Just give him a break and listen to him for once!!

    You may get conflicting information opposed to what NID tells you but if he has reliable sources then you SHOULD listen.
  • laney85
    laney85 Posts: 861 Forumite
    Just recieved shiny purple cap 1 card. Didnt realise you only got a expiry date in 1 year 8 months is that incase your bad ?
  • Brian1966
    Brian1966 Posts: 1,428 Forumite
    Just received my decline letters from Tesco and Sygma.
    Writing appeal to Tesco as we speak but don't think I have a hope in hell of overturning Sygma's decision.
    Also had another increase from Vanquis according to automated balance line. Gone from £1500 to £2250.
    May get a GOLD card now..woo hoo :j
    Natwest gold..Limit £1750 bal £970..Vanquis Limit £3000 bal £0..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £4900 bal £1356..Empire Limit £6200 bal £152..Jd williams..Limit £1100 bal £130..Simplybe..Limit £1500 bal 265,,Fashion world..Limit £1400 bal £145 Jacamo..Limit£125 bal 0
    Next..Limit £?? bal £0 Asda..limit £1250 bal £440,
  • Zack1
    Zack1 Posts: 1,433 Forumite
    laney85 wrote: »
    Just recieved shiny purple cap 1 card. Didnt realise you only got a expiry date in 1 year 8 months is that incase your bad ?
    Maybe you get an account review then? Mine was 2 years 1 month, Nov 2011. Maybe they are changing cards around then or something? Like Natwest changing the Solo/Maestros to visa (got another letter from them yesterday). But Cap1 have the right to close your account at any time, so I doubt it's incase you are bad, as they'd just block the card if you were and tell you your account is going to be closed
  • Gillianh2
    Gillianh2 Posts: 773 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    How long before Vanquis offer increases, I know I am putting the cart before the horse here as I have only just paid my 1 st statement:j

    Also if I apply for a Grattan or Freeman catalogue will I get rejceted because I already have a vanquis card???/:eek:

    Thanks
    :j I have a persecution complex. Everytime I pass a shoe shop they persecute me till I buy them:j
  • Toomuchdebt
    Toomuchdebt Posts: 2,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Brian1966 wrote: »
    Just received my decline letters from Tesco and Sygma.
    Writing appeal to Tesco as we speak but don't think I have a hope in hell of overturning Sygma's decision.
    Also had another increase from Vanquis according to automated balance line. Gone from £1500 to £2250.
    May get a GOLD card now..woo hoo :j

    My limit is £1500 but I have the gold card :undecided How do they decide these things?
    Debts Jan 2014 £20,108.34 :eek:

    EF #70 £0/£1000

    SW 1st 4lbs
  • cifpower
    cifpower Posts: 6,502 Forumite
    Vanquis will increase on the 4th statement
This discussion has been closed.
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