Sub Prime Credit Thread Part II

milfordmadness

darcyvuqua wrote: »

ring them up and ask your limit and apr milford!

Hiya - went to pub for couple of pints, got some dutch courage and rung citibank - they have given me a £2000 start limit with APR of 16.0%.

Looking at website, this seems good (for them) so can't complain......

wehey - a normal card - just waiting for the BOI to come (or be declined)......

milfordmadness

TheEffect wrote: »

Does anyone know whether PayPal transactions are classed as cash withdrawals with Aqua and Vanquis? I've heard some CC's treat them as cash withdrawals...

Nope, all 3 are classed as purchases. payPal is a 3rd party so they can never come out as cash - must be a sale cos you're paying PayPal - not withdrawing cash.

The rumour you heard is rubbish.....

sutton111

Hi Milford,

Any news from HBOS?

Did you ring HSBC about requesting a new debit card with Visa on?

milfordmadness

sutton111 wrote: »

Hi Milford,

Any news from HBOS?

Did you ring HSBC about requesting a new debit card with Visa on?

Hiya mate - HBOS said no to all my applications so I closed easycash and told them to rot in hell. I also told them they have 7 days to remove all the cifas or I will sue them for libel at £5k per libelous comment (so 100 x £5k)

They have spoken to my solicitor begging for time to investigate and agree I should have had a call - too late!

HSBC - nothing to change, have my Plus account (keeping Maestro) and have the Advance account with the visa element - yea, no c/g and it is full auth but not worried for now, i'll sort this in the next 3 months when my behavious score is high....

edit - did you see this post? New CitiBank card.... #1751

sutton111

Oh you could be taking legal action then.

I'm having a few problems with one certain company.

sutton111

milfordmadness wrote: »

Hiya mate - HBOS said no to all my applications so I closed easycash and told them to rot in hell. I also told them they have 7 days to remove all the cifas or I will sue them for libel at £5k per libelous comment (so 100 x £5k)

They have spoken to my solicitor begging for time to investigate and agree I should have had a call - too late!

HSBC - nothing to change, have my Plus account (keeping Maestro) and have the Advance account with the visa element - yea, no c/g and it is full auth but not worried for now, i'll sort this in the next 3 months when my behavious score is high....

edit - did you see this post? New CitiBank card.... #1751

No I never saw that post. Did you they tell you straight away?

When did you apply today?

sutton111

milfordmadness wrote: »

Hiya mate - HBOS said no to all my applications so I closed easycash and told them to rot in hell. I also told them they have 7 days to remove all the cifas or I will sue them for libel at £5k per libelous comment (so 100 x £5k)

They have spoken to my solicitor begging for time to investigate and agree I should have had a call - too late!

HSBC - nothing to change, have my Plus account (keeping Maestro) and have the Advance account with the visa element - yea, no c/g and it is full auth but not worried for now, i'll sort this in the next 3 months when my behavious score is high....

edit - did you see this post? New CitiBank card.... #1751

Besides your CIFAS markers your credit is fine. I may not have any CIFAS marker, but my credit isn't fine.:(

milfordmadness

sutton111 wrote: »

No I never saw that post. Did you they tell you straight away?

When did you apply today?

what is the company you're having trouble with mate? I will send you a letter to post if they are "that" bad?

I applied and appealed in January. Got told no, both times.

I then applied again last week, got PIN today. So rung em and they told me its £2k limit.

Yes, you're right my credit is fine cos I owe zero to anyone, yea my file is a mess but it's not really me and the searches don't count cos too hard to prove which are mine and which are the ID Theft ones..... therefore they all get discounted LOL

milfordmadness

sutton111 wrote: »

Besides your CIFAS markers your credit is fine. I may not have any CIFAS marker, but my credit isn't fine.:(

My Experian is fine (20 searches, 4 live accounts with £0 balances) , my equishyte is bad (163 searches, 107 cifas and 63 defaults! - obviously none of the bad things are mine)

sutton111

milfordmadness wrote: »

My Experian is fine (20 searches, 4 live accounts with £0 balances) , my equishyte is bad (163 searches, 107 cifas and 63 defaults! - obviously none of the bad things are mine)

Those CIFAS will move across to Experian in time.

I'll PM you the companies name and problem after.