Sub Prime Credit Thread Part II

sutton111

louiser123 wrote: »

evening guys and gals,

update on the aqua card fraud jobby of hubbys today.

i ws right his card has been used!!!! he keeps it in his wardrobe it hasnt been used since sept by him, and he has only used it three times in totl since he got it in aug 08. has never used it on the net.

11 transactions done 6 of which they allowed and which took him over his limit, all done over the net on downloading tunes ect, then today at dinner something to do with booking a train in london he was told.

he has been refunded each transaction but what i find very strange is wouldnt you need the last three numbers off the back to use it online or over the phone??? and had he tried to use it its a sure bet they wouldnt have let him go over limit!! this card hasnt left his wardrobe since sept and they even asked who he lived with.

they asked him what the last three digits were on his card and i had prewarned him not to give that info out so he didnt but the lady was quite understanding and asked him other security questions but you just cant be too careful.

so in a nutshell neither of us can understand how this has happened and how someone has got all the info ect and the secyrity numbers when its been in his wardrobe. am i or are we missing something??

Bizarre Louiser.

I see you have made a confession of your own. :rotfl:

................. a self confessed 80s throw back :rotfl: :rotfl: :rotfl:

louiser123

sutton111 wrote: »

Bizarre Louiser.

I see you have made a confession of your own. :rotfl:

................. a self confessed 80s throw back :rotfl: :rotfl: :rotfl:

yes i decided to confess it :eek: but i am not ashamed i carry my burden with pride!:rotfl: :rotfl:

sutton111

louiser123 wrote: »

yes i decided to confess it :eek: but i am not ashamed i carry my burden with pride!:rotfl: :rotfl:

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl:




Louiser how many defaults or CCj do you have if any? ( I know you own the Government 8 billion, but besides that)

If you read back on the forum you will find out that i finally checked my credit files. 2 defaults I have.

louiser123

i have 2 defaults no ccjs or other nasties and all payments up to date. not sure though if the fraud thing will go on hubbys file now and that will impact on me as we are conected finacially through mortage. but his file is squeaky clean though or was last time i checked!!! lol

Sammy_Girl

sutton111 wrote: »

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl:




Louiser how many defaults or CCj do you have if any? ( I know you own the Government 8 billion, but besides that)

If you read back on the forum you will find out that i finally checked my credit files. 2 defaults I have.

Oh Sutton you checked your files - see they're not as bad as what you think they are. It does get addictive though lol. But it's nice to see the green zeros progressing - and every month we pass is a month sooner until they drop off. My newest default is nearly 2 years old So that's only 4 years til it drops off lol

sutton111

louiser123 wrote: »

i have 2 defaults no ccjs or other nasties and all payments up to date. not sure though if the fraud thing will go on hubbys file now and that will impact on me as we are conected finacially through mortage. but his file is squeaky clean though or was last time i checked!!! lol

CIFAS protective markers or any CIFAS marker is for "said" address.

How old are your defaults? and if you don't mind me asking how much are the values?

sutton111

Sammy_Girl wrote: »

Oh Sutton you checked your files - see they're not as bad as what you think they are. It does get addictive though lol. But it's nice to see the green zeros progressing - and every month we pass is a month sooner until they drop off. My newest default is nearly 2 years old So that's only 4 years til it drops off lol

It wasn't actually that bad Sammy, you were right!!

I have 2 defaults one going to be satisfied the other isn't but i can't get a credit card with Vanquis, you have quite a few credit cards don't you and even with defaults where am I going wrong

My defaults are Dec 06 and Feb 07. £187 and £113. The later is satisfied. (will be in 28 days)

louiser123

both satisfied now for 327 and 174 from last year in march.

i cant settle the govt debt though i just cant find a credit card to accept me with and 8 billion credit limit!!:rotfl:

cifpower

sutton111 wrote: »

It wasn't actually that bad Sammy, you were right!!

I have 2 defaults one going to be satisfied the other isn't but i can't get a credit card with Vanquis, you have quite a few credit cards don't you and even with defaults where am I going wrong

My defaults are Dec 06 and Feb 07. £187 and £113. The later is satisfied. (will be in 28 days)

Who are your defaults with?

sutton111

louiser123 wrote: »

both satisfied now for 327 and 174 from last year in march.

i cant settle the govt debt though i just cant find a credit card to accept me with and 8 billion credit limit!!:rotfl:

:rotfl: :rotfl:
You made need a Government bail out of your own to get the final stages of your makeover done. :rotfl: :rotfl:

So what credit card etc do you have now?

I can't even get Vanquis!!