Sub Prime Credit Thread Part II

TheEffect

cifpower wrote: »

I could refer you and that way you get a £15 credit when you spend £50. Just PM me your email address

Thanks. I applied, but all it said was ''Thanks for applying for Next Directory. Our customer service team will look at your application and your account details will be posted to you''...?

cifpower

TheEffect wrote: »

Thanks. I applied, but all it said was ''Thanks for applying for Next Directory. Our customer service team will look at your application and your account details will be posted to you''...?

That's the same message I got when I applied 2 years ago. They send you a letter with your customer number. I also had to provide a proof of address

TheEffect

cifpower wrote: »

That's the same message I got when I applied 2 years ago. They send you a letter with your customer number. I also had to provide a proof of address

If they accept me, will they tell me what limit I have?

cifpower

TheEffect wrote: »

If they accept me, will they tell me what limit I have?

Should do. I only got £150

TheEffect

cifpower wrote: »

Should do. I only got £150

That's enough for me. If they don't accept me for credit, I can always just pay full on my card when I checkout I guess?

sutton111

TheEffect wrote: »

If they accept me, will they tell me what limit I have?

That's the same message i got on Saturday.

cifpower

TheEffect wrote: »

That's enough for me. If they don't accept me for credit, I can always just pay full on my card when I checkout I guess?

Indeed you can

kpnut79

Morning Everyone,

Did you all have a great weekend??

I have littlewoods direct with a £2000 limit, held it for nearly 4 years now; however they will not allow me to have anymore catalogues within the Shop Direct group..they say its because of 'adverse info' however it was there when they opened this account. The account has been maintained, no missed payments, no late payments..nothing

sutton111

kpnut79 wrote: »

Morning Everyone,

Did you all have a great weekend??

I have littlewoods direct with a £2000 limit, held it for nearly 4 years now; however they will not allow me to have anymore catalogues within the Shop Direct group..they say its because of 'adverse info' however it was there when they opened this account. The account has been maintained, no missed payments, no late payments..nothing

Hi Kpnut

Do you think it's your CIFAS, which is causing the problem?

kpnut79

Hi Sutton,

Could well be although I thought they couldn't decline for that reason only.. I thought they had to do extra checks which proved that it was a risk of fraud before they could decline for that reason.

However Sygma have said they will not remove the Cifas, however they will do reviews and remove it once they think the threat is no longer viable.