Sub Prime Credit Thread Part II

Innocent_Guy

jack290292 wrote: »

Outstanding balance £450...and yep correct on the APR...it said on the statement estimated interest if you only pay minimum payment is around £18 I think!

Hey deffo pay for min payment as it is not worth getting a late payment on your file for £18! Remeber BT can take up to 28 days.........

never-in-doubt

Innocent_Guy wrote: »

Hey deffo pay for min payment as it is not worth getting a late payment on your file for £18! Remeber BT can take up to 28 days.........

Yea, I done a BT from Citi to Vanquis and it never went through, about a month later I got a letter from citi with a cheque made out to vanquis explaining they couldn't do it electronically - thanks for letting me know earlier like citi lol.

However, I had already set up the Vanquis DD so minimum went out then I sent the cheque and that put me 20 quid in credit, no problems. Cheque did take 9 days to clear on my account though - 9 days! almost as bad as Hbos Easycash when you deposit a cheque with them!

jack290292

Thanks all for the advice! Will defo pay the minimum and do the transfer when the PO card arrives.

The Analyst...no nasties now. I am 3 years out of an IVA. Intially got Vanquis and Aqua to build up my credit file. Tried to get bank CC (CO-OP) but got rejected. Then applied for Flybe and got accepted with 5K limit.
When I applied for PO card it got refrered to their underwriters. They called me and when over a few thins...time in job, time in work, salary and questioned the fact that I had applied for 3 caards within the last six months and why I was appying for another...I explained it was to do a balance transfer. I was accepted for the Classic card with the 2.4K limit...which seems to be quite a low limit compared to people that are accepted straight away.

Good luck with your application.

cifpower

Morning team!

seeya23

Good morning

Innocent_Guy

seeya23 wrote: »

Good morning

Good afternoon

seeya23

good evening to all

cifpower

Just counted the unrecorded searches on my Experian file - 52! That leaves 88 full searches to drop off over the next year :eek:

Innocent_Guy

cifpower wrote: »

Just counted the unrecorded searches on my Experian file - 52! That leaves 88 full searches to drop off over the next year :eek:

How many!!!! :eek: :eek: I thought mine were alot

I have about 10 visable searches
25 - Unrecorded searches

Why do you have so many??

sutton111

cifpower wrote: »

Just counted the unrecorded searches on my Experian file - 52! That leaves 88 full searches to drop off over the next year :eek:

On Experian I have 22 searches in the last 12 months.

On Equifax I have 23, but quite a few for "outstanding debt" all to the one company I have paid off. Why they have done so many only God knows.

I've filled in an on-line dispute to get the companies in question to remove them because I have paid them off.