Rejection - Appeal

theoretica

I have just received a rejection too and am torn between appealing on the grounds of savings (thanks for the tip that it may work) and writing a complaint that the letter dated 10 November telling me I must appeal within 30 days only arrived yesterday- and I don't think it all the fault of the post! Can't quite decide if the good terms of the card counteract the poor communication and I want it after all.

Voyager2002

jonnyb wrote: »

However, if you have adverse info on your credit file, especially as it was not your fault, then you might want to consider adding a notice of correction to your file which would force lenders to read the statement.

You can get more info at www.experian.co.uk in the sections for help with your credit file.

In practice, I doubt if a notice of correction that you add would really help you.

It would be far better if you could get the lenders involved to contact Experian directly to remove the adverse information. This can be done, but will require persistence on your part. If you get nowhere, try to contact the compliance officer within each organisation and remind them that under data protection legislation they are required to correct incorrect information.

antispam246

No problem.

I've finished now and ready to send.

I've a covering letter with a copy of my rejection letter and letter appealing which is broken into a general address, clarification on negative statements on my credit report(s), notification of savings and amounts which more than cover any debts although clarified the debts aren't actually mine and a few other bits regarding small points made on my credit report.

I've enclosed copies of proof for fraud made on my accounts, a copy of a police statement verfiying how my credit card for stolen and fraudulent altogether and copies of my current accounts and saving accounts statements.

I'll let you know how I get on, thanks all.

overlander

This might seem like a silly question but if you have savings why pay the APR of a credit card?

antispam246

overlander wrote: »

This might seem like a silly question but if you have savings why pay the APR of a credit card?

Ok, this is exactly the kind of comment which had me really confused with credit cards in the first place.

I intend to pay all my bills of in full immediately and it's a cashback credit card, I'm applying for the AMEX Platinum one.

Voyager2002

antispam246 wrote: »

Ok, this is exactly the kind of comment which had me really confused with credit cards in the first place.

I intend to pay all my bills of in full immediately and it's a cashback credit card, I'm applying for the AMEX Platinum one.

Perhaps not the best choice for a first credit card.

AMEX declined me when I had a perfect credit record; was a married home-owner with a professional position and a thirty-grand salary... Other card providers are less picky.

antispam246

Voyager2002 wrote: »

Perhaps not the best choice for a first credit card.

AMEX declined me when I had a perfect credit record; was a married home-owner with a professional position and a thirty-grand salary... Other card providers are less picky.

Heh, doesn't sound good for me then. Like I was saying it's merely for the cashback option, it's worth a punt and I'm still fairly optimistic with my appeal.

bitterSTAR

Voyager2002 wrote: »

Perhaps not the best choice for a first credit card.

AMEX declined me when I had a perfect credit record; was a married home-owner with a professional position and a thirty-grand salary... Other card providers are less picky.

I got accepted, I'm a 22 year old guy, whose earning 21k and single. I only had one other credit card and that was a barclaycard which I had applied for 2 months prior.

antispam246

bitterSTAR wrote: »

I got accepted, I'm a 22 year old guy, whose earning 21k and single. I only had one other credit card and that was a barclaycard which I had applied for 2 months prior.

Things are looking up again (:

oversea

Hi,

I have been refused credit (never had credit before ever), for a barclaycard, story here: http://forums.moneysavingexpert.com/showthread.html?t=1400877 but after reading this I will try and appeal. Will let you all know what happens, thanks so much.