Sub Prime Credit Thread Part II

sutton111

never-in-doubt wrote: »

right that explains it - by the way taking them to court is a nightmare, have you been following UK26? If you're doing that then get over to CAG and email PT2537 (http://www.consumeractiongroup.co.uk/forum/member.php?u=108562) as he is the legal master!

Otherwise they will not drop off in september, what makes you think they will mate? have I missed your problems in your posts?

Yes. Noah has been assisting me. He did the same with O2.

never-in-doubt

sutton111 wrote: »

Why would I lie. I see no point.

No I have just two on Experian and one on Equifax. I don't get that much money either remember I won't qualify for massive limits anyway.

never said you lying, Im suggesting maybe the CRA's have info you don't know about mate! I know you dont lie LOL divvy!

Innocent_Guy

sutton111 wrote: »

Yes. Noah has been assisting me. He did the same with O2.

Right Im going for a pub lunch so will be back later ( unless I take my mobile broadband? ) What a saddoooooo

never-in-doubt

Innocent_Guy wrote: »

It is mad that you did get the gold card concidering the millions of pound you apparntly owe......

yes mate - but BOI only done soft search at Equifax and at that time I appealed it went through. Citi only ever done a experian search! weird or what!

Like my bank - hsbc - they done full search at equifax and seen the info but gave me accounts cos two of them are to hsbc and when I went in with ID they knew I was someone different to 'who owed them' as they had the other 'black' guys photo in front of them - ermmm, i'm as white as pure cider - not tanned in any way lol

never-in-doubt

sutton111 wrote: »

Yes. Noah has been assisting me. He did the same with O2.

Noah? Is he lawyer then? I use CAG mate - full of legal boffins. I posted half hour ago and now have a PM with a full legal response - goes a little like this:

What they've sent isn't enforceable - it needs the prescribed terms (credit limit, repayment terms and interest rates) to be enforced by a Court.

As it doesn't, it falls foul of s.60/s.61 CCA 1974. This means it's enforceable under s.65 by a Court Order only. The Court is precluded from enforcing it under s.127(3), though, as the prescribed terms are missing.
__________________

And you don't quite get the same service here!!!

Innocent_Guy

never-in-doubt wrote: »

yes mate - but BOI only done soft search at Equifax and at that time I appealed it went through. Citi only ever done a experian search! weird or what!

Like my bank - hsbc - they done full search at equifax and seen the info but gave me accounts cos two of them are to hsbc and when I went in with ID they knew I was someone different to 'who owed them' as they had the other 'black' guys photo in front of them - ermmm, i'm as white as pure cider - not tanned in any way lol

Ohh ok dude im off anyway

Chao

never-in-doubt

Innocent_Guy wrote: »

Right Im going for a pub lunch so will be back later ( unless I take my mobile broadband? ) What a saddoooooo

Enjoy - have a stella on me! (sends an electronic fiver via contacless payment lol)

never-in-doubt

Innocent - you got more posts than me - grrrrrrrrr

cifpower

sutton111 wrote: »

Your Touch pad on you Laptop?

Indeed. I can move the cursor around but I can't scroll up and down. God knows what closing MSN Today does to cause it.

sutton111

never-in-doubt wrote: »

yes mate - but BOI only done soft search at Equifax and at that time I appealed it went through. Citi only ever done a experian search! weird or what!

Like my bank - hsbc - they done full search at equifax and seen the info but gave me accounts cos two of them are to hsbc and when I went in with ID they knew I was someone different to 'who owed them' as they had the other 'black' guys photo in front of them - ermmm, i'm as white as pure cider - not tanned in any way lol

HSBC searched Equifax for your current account?

When I applied they searched Experian.

I looked at you S.A.R and it quite aggresive does it matter. I want to brave but your horror story has put me off.

Oh yea just to clairfy did your CIFAS show up on your CRA SAR can't remember. Sorry!