Sub Prime Credit Thread Part II

clio

lol aye but you have sense of humour like me

PROLIANT

Evening chaps

sutton111

Good Evening.

How are you?

cifpower

Guten Abend

PROLIANT

cifpower wrote: »

Guten Abend

Zoet Avond

PROLIANT

sutton111 wrote: »

Good Evening.

How are you?

Fine, you?

never-in-doubt

Innocent_Guy wrote: »

What account do you have? What card also??

Any O/D?

Bank Accounts:

- HSBC Advance - Visa Debit No C/G (All Authorisation like Electron) - No O/D
- HSBC Plus - Maestro + 100 C/G + 500 O/D
- Lloyds Vantage - Visa Debit + 100 C/G + 100 O/D
- HBOS Easycash - Visa Electron Card - No facilities (closing as we speak)

The accounts all come with cheque book etc except Easycash....

Credit Cards:

- BOI Gold Card (1500 limit - recently reduced from original amount given 3wks ago lol)
- Citi AADvantage Gold (2000 limit)
- Vanquis Blue (250 limit)

Catalogues:

- JD Williams (started with 100 limit then increased to 200 in a month)

sutton111

Fine thanks.

sutton111

never-in-doubt wrote: »

Bank Accounts:

- HSBC Advance - Visa Debit No C/G (All Authorisation like Electron) - No O/D
- HSBC Plus - Maestro + 100 C/G + 500 O/D
- Lloyds Vantage - Visa Debit + 100 C/G + 100 O/D
- HBOS Easycash - Visa Electron Card - No facilities (closing as we speak)

The accounts all come with cheque book etc except Easycash....

Credit Cards:

- BOI Gold Card (1500 limit - recently reduced from original amount given 3wks ago lol)
- Citi AADvantage Gold (2000 limit)
- Vanquis Blue (250 limit)

Catalogues:

- JD Williams (started with 100 limit then increased to 200 in a month)

I thought Lloyds CIFAS'd you.

never-in-doubt

sutton111 wrote: »

I thought Lloyds CIFAS'd you.

Yup - just had it overturned.... got call at 16.15 today mate......

Will get stuff through in next few days and best of all CIFAS has gone from Equifax..... marvelous start to the day! I sent a cheque for 50quid with my appeal - maybe this swayed them (proved I had a full account or summat?)

I wont use Lloyds though, scared to now haha

By the way - my SAR's are already out of date cos my CIFAS sar clearly shows the Lloyds cifas! Evidently that aint there any more! Bummer! I'll have to argue loads of things I guess then go back in like 3 months and SAR them all again!

Learning curve - the only people worth SARing are the 3 CRA's and Hunters. The others are useless.

Save your dough...