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Sub Prime Credit Thread Part II

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  • Discharged nearly 15yrs and happen again😓
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Hello! I'm back :)
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Anyone in here farmiliar with HFC Bank?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Yes they belong to HSBC.

    They do finance for Currys, PC World etc.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Yes they belong to HSBC.

    They do finance for Currys, PC World etc.
    I was thinking of putting down a deposit and financing the rest. Rumour has it they search Equifax and are not particularly difficult to be accepted for ;)
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I was thinking of putting down a deposit and financing the rest. Rumour has it they search Equifax and are not particularly difficult to be accepted for ;)

    You told you that rumour?

    I always thought they were extremely difficult. IMO
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I was thinking of putting down a deposit and financing the rest. Rumour has it they search Equifax and are not particularly difficult to be accepted for ;)

    Did you get my PM?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    You told you that rumour?

    I always thought they were extremely difficult. IMO

    It was a post that Tori Bellatix created a few months back I think.

    Has any here ever applied and been accepted?

    I'm in the middle of typing out the info from the SAR I got. It seems like a bog standard letter at the moment. When I have sent EQ the additional £8 I will have the juicy stuff to share :D
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111 wrote: »
    Yes they belong to HSBC.

    They do finance for Currys, PC World etc.

    Yes l bought a laptop last year and did the finance from Currys.
    Discharged nearly 15yrs and happen again😓
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Yes l bought a laptop last year and did the finance from Currys.

    Thanks
    What is your credit rating like? How many searches on your file? Did they search your EQ?

    Thanks for the responce glad to see there is always someone here who can assist!

    :D
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
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