Sub Prime Credit Thread Part II

kpnut79

Hiya Sutton.

I've been lurking in the background every now and then.

I'm good thanks how's you??

Sygma have done as I think it was you that said..removed the cifas marker from my previous address however left it on my current address...so I think a few more letters will be going out shortly.

I am just that busy with work and studying 3 courses plus 2 kids it's a nightmare lol

sutton111

Karma67 wrote: »

Hi all!

My hubby has decided to try and rebuild his credit score, we are not financially linked, and had an old desualted debt which he is paying off at an agreed amount each month...no missed payments on that.

He has applied for a basic bank account with Barclays, awaiting decision, although i cant see why they would say no..all previous banking has been done through my account.

I advised him to apply for a Vanquis card to help build up some nice '0' on his credit file;)....which did online Saturday morning, and got the 'we need to look into you application and get back to you withing 10-14days' message. They phoned up last night at 7.45pm but he was putting littluns to bed so missed the call, and they have just called again about 25mins ago..and now he's at work! lol

I spoke to the gentleman calling and what brief details i could gleam from him, data protection act and all that lol, was that he was from the aquasitions (?sp)dept, and they like to call new customers etc....so....

Do you think he's been approved? Do they usually call up and chat , I don't remember that happening to me with them..(i've had my card for a few yrs and limit now at £2000).

It would be great for him if they have!!

TIAx

That sound extremely promising, I think he has been accepted.

He will probably get a £250 limit but that will increase over time.

What negative data does he have on his credit file?

sutton111

kpnut79 wrote: »

Hiya Sutton.

I've been lurking in the background every now and then.

I'm good thanks how's you??

Sygma have done as I think it was you that said..removed the cifas marker from my previous address however left it on my current address...so I think a few more letters will be going out shortly.

I am just that busy with work and studying 3 courses plus 2 kids it's a nightmare lol

I'm ok thanks.

Yes I bet your Kids keep you on your toes!!

sutton111

Chocolate_Button wrote: »

Hi, Can anyone help me. I receved a big fat NO letter after applying for a Post Office CC. I want to write and appeal but I have mis-placed the letter - does anyone know the address to write to? Tried googling but no joy! thank you.

See here for appeals letter just edit it to your needs.

Good luck.

kpnut79

Thanks Sutton, that letter can come in handy for me too.

Do you or anyone else know whats happening with Welcome Finance..they were late taking the DD last week also sent me a letter containing a settlement figure. Requesting I settle asap. Any ideas??

sutton111

kpnut79 wrote: »

Thanks Sutton, that letter can come in handy for me too.

Do you or anyone else know whats happening with Welcome Finance..they were late taking the DD last week also sent me a letter containing a settlement figure. Requesting I settle asap. Any ideas??

They are having alot of financial problems at the moment.

See here

kpnut79

Thanks Sutton,

Can you answer this query for me..I wrote to WF asking for a copy of my previous and current contracts for this PPI reclaiming before christmas however I have still received nothing from them..What's my best course of action now??

sutton111

kpnut79 wrote: »

Thanks Sutton,

Can you answer this query for me..I wrote to WF asking for a copy of my previous and current contracts for this PPI reclaiming before christmas however I have still received nothing from them..What's my best course of action now??

Unfortunately I don't know the answer to that one. If you go across to the reclaiming charges board they will know.

cifpower

Appointment with my doctor at 2 and my dentist at half 2 so am trying not to eat anything.

cifpower

I have just received a letter from Cabot Financial saying they will call on me on 6 April. What the hell do they want?