Sub Prime Credit Thread Part II

sutton111

mumofboys wrote: »

Firstly thank you to Underground for the help yesterday. Having stewed for a night, I think I have to deal with one thing at a time, and clearing debts and tidying up credit file comes first. I know me, and if I get myself in a tiz about too much, then I do have a tendancy to do a great impression of an ostrich, and I am ostrich no more!;)

That said, having got a bit over-excited about the full bank account success, I did apply for a Cap 1 card about a week ago. Did not expect anything but a big no thanks, but this morning got a letter asking for documents confirming details - is this good, or just standard procedure to be swiftly followed by a big juicy no?

MOB, this is good news, if you send ID in you are likely to get accepted.

sutton111

never-in-doubt wrote: »

Hi

Hbos shows as did the sygma one. Lloyds doesn't show though, only know this cos that guy at experian director office told me how many I had (3) and I said no 2. He said no Lloyds have one as well, I said it aint showing on my report and he said yes, they want it to remain confidential as they suspect me of account fraud! !!!!!!! I went mad.

I have had sygma removed but currently arguing the other two. They all went on since xmas - end of jan. Yea, ive made about 12 applications in that period of time but got 5 of the 12 accounts I applied for.

Bloody hell. Do you use it?

Who did you ring to ask?

never-in-doubt

sutton111 wrote: »

Bloody hell. Do you use it?

Who did you ring to ask?

Did I use what? I got refused all 3 accounts where they placed cifas so no accounts held there. (hbos bank a/c, sygma flybe cc, lloyds bank a/c)

Funnily enough though I appealed bank of ireland and citi and got cards with both and normal apr's. Prior to this I had vanquis with 250 limit and my bank account.

i'm happy i've got 3 normal accounts now (plus bank and the 2 cc's) but sad at the state of my credit files which will be bad for at least 4 more years.



Sorry, the guy at Experian is called Lee Hancock i'll post his contact details tonight if that helps anyone, he works in directors office and is the guy who deals with things when you threaten to sue the cra! He must be high up or someones biatch!

mumofboys_2

sutton111 wrote: »

MOB, this is good news, if you send ID in you are likely to get accepted.

Had a quick skip around my office, but I'm not going to hold my breath. Never thought I would get anywhere close. Clearly I now want to know NOW!

sutton111

No you said lloyds thought you were committing account fraud. I thought you had an account with them.

kiora

Well its official MBNA are a bunch of Sh!tes phoned them up and it "sorry because you went over limit 1 month (by £5) I will have to run it another 6 months blah blah me thinks I will pay it off this month and then put a £10 on every month and pay it off as soon as I get statement after the 6 months are up they send me back the £100.:mad:

DanDan123

never-in-doubt wrote: »

I just got this card, the gold mastercard. got declined, appealed and then got cca thru post last week. certified my passport at PO (should be #6.95 for 3 copies but most do it for free) and sent off to BOI.

Yesterday got home and found shiny gold card waiting for me, 3,800 limit on apr of 16.9%. I got a citi gold last week with a 2,000 limit (plus 5000 bonus miles) on apr of 17.1% i think it says. 5.8% on life of bt so I paid off the 250 vanquis limit - citi sent me a cheque payable to vanquis.

BOI done search with experian then follow-up (no credit card search, just previous address/identity) with equifax. dont use call credit so cant help with that one but they deffo search both (maybe cos ive not been at same address for 3yrs they used equifax?) the main cra's

My credit file is bad, have loads of defaults and gone aways and 2 cifas. had 3 cifas but got sygma taken off last week.

all my cc app's are declined at moment I press green button but I always appeal. must be lucky but ive just gotten myself 2 gold cards to go with my shiny vanquis...

oh! i also have a hsbc plus bank ac.

Hi,

I have just applied for this card. Havent had a response yet. I guess they just sent you a standard copy of your application and ask you to sign it and send it back?

I doubt i will be accepted, so would you mind letting me know what you said in your appeal letter?

Am happy for you to PM me if you prefer.

Thanks

Mich81

Mich81 wrote: »

Not yet, am going to do as soon as I find the original letter from them about the £100 deposit.

Right, well contacted MBNA and they can't upgrade me to a better credit card, so closing the account and getting my £100 back as they wouldn't even up my credit limit - all payments been on time for 6 months, and not gone overlimit once.

seeya23

Afternoon to all

dolally_2

kiora wrote: »

Well its official MBNA are a bunch of Sh!tes phoned them up and it "sorry because you went over limit 1 month (by £5) I will have to run it another 6 months blah blah me thinks I will pay it off this month and then put a £10 on every month and pay it off as soon as I get statement after the 6 months are up they send me back the £100.:mad:

It's any excuse with them! I haven't gone over my limit at all. I have paid it off in full some months and carried a balance at other times so they got an interest payment! Just did the request credit limit increase which is supposed to show up within the hour and nothing! I haven't phoned them because I can't stand dealing with companies on the phone but I won't be holding my breath for the £100 just yet!! (I'm on 6th statement too)