Sub Prime Credit Thread Part II

sutton111

Tef wrote: »

Well got a big fat no from the PO this morning this despite the fact that they only checked experian and my score there is 993. I've said before that I'm convinced that experian don't let you see everything they hold on you now I'm certain.

Might try Vanquis now whats one more search lol

Regards

What have you applied for recently? (last 6 month)

If you think they're not showing all information do you mean CIFAS?

never-in-doubt

sutton111 wrote: »

What have you applied for recently? (last 6 month)

If you think they're not showing all information do you mean CIFAS?

It could though be something that doesn't match with Hunters - for example? Like change of partner/circs/salary etc since your last application. This could decline, also.

sutton111

never-in-doubt wrote: »

It could though be something that doesn't match with Hunters - for example? Like change of partner/circs/salary etc since your last application. This could decline, also.

That's what I was also thinking. Either one of the two anyway.

never-in-doubt

sutton111 wrote: »

That's what I was also thinking. Either one of the two anyway.

I just had to argue with sygma to get mine taken off and told them bluntly if they relied on info from hunters then they had better be confident otherwise id sue them as well as hunters.

i think they realised the error of their ways, in due course! Really, sygma just add cifas to everyone, i'm sure of it?

cifpower

darcyvuqua wrote: »

can you pm me you appeal letter cif

It was nearly two years ago so I'm afraid I don't have the appeal letter. As I am on benefits I just listed the various ones I get, said they are guaranteed, listed my various credit agreements etc. They sent a letter out asking for 3 months' bank statements

sutton111

Hi Cif, what you up to?

never-in-doubt

cifpower wrote: »

It was nearly two years ago so I'm afraid I don't have the appeal letter. As I am on benefits I just listed the various ones I get, said they are guaranteed, listed my various credit agreements etc. They sent a letter out asking for 3 months' bank statements

cif,

was yours like mine? read up the posts a little....? It worked for me which was a result..... however citi was straight accept! crazy. Goes to show that lenders have crazy rules and they are not standardised either!

sutton can confirm my defaults. ive just PM him with them all. Sutton?

cifpower

never-in-doubt wrote: »

cif,

was yours like mine? read up the posts a little....? It worked for me which was a result..... however citi was straight accept! crazy. Goes to show that lenders have crazy rules and they are not standardised either!

sutton can confirm my defaults. ive just PM him with them all. Sutton?

Except for the employment data (I substituted my benefits details) and the copy documents you enclosed)

never-in-doubt

cifpower wrote: »

Except for the employment data (I substituted my benefits details) and the copy documents you enclosed)

Yea, so it seems that the best way to win an appeal is to be honest or blag them with bollox? I told the truth and I know they searched the SIA cos I told them my employers 'local' address but the forms they sent me to sign has the head office payroll dept address which is in Uxbridge yet I work 200 miles away and use my local office as my employer.

Maybe this is what caused the cifas warnings against me then, hmmmm the plot thickens

Did you get a 3k limit? On benefits, nice one!

sutton111

What's SIA?