Sub Prime Credit Thread Part II

cifpower

never-in-doubt wrote: »

from your appeal? or is this the original application?

From the appeal

mumofboys_2

never-in-doubt wrote: »

Just luck. Orange are the easiest.... Plus T-Mob is rubbish network coverage.....

when you're riding bareback on a camel in the sahara T-Mob has no signal, Orange does! LOL

I'll bear that in mind when I next go bareback camel riding!!!:rotfl:

never-in-doubt

sutton111 wrote: »

Who? Maybe they can over turn my current account application. PM me the details.

Please.

mate you know they can't - they use behaviour score and credit score. You have to wait 6 months and then they will do it. If they say no then go to a proper branch, in town not a local sub branch. Ive dealt with so many HSBC appeals its unreal and trust me, no individual on the phone can override things like is being suggested.

The account in innocents case must have been borderline thus they overrode it. Like me, once I went into branch with ID they accepted me, had I awaited a letter it would have declined. I got told to do this and they always accept you.

Apply online, get ref number then a day later go into branch and say you want to finalise the account opening process, they can they make it go through somehow.....

Maybe when they see you in person it helps the account opening process - ShelfStacker can you help to clarify this matter mate?

sutton111

mumofboys wrote: »

I'll bear that in mind when I next go bareback camel riding!!!:rotfl:

:rotfl: :rotfl:

Isn't it one of your hobbies? LOL:rotfl:

Innocent_Guy

never-in-doubt wrote: »

LOL you mean she is very good cos she gave you an overdraft or summat? that is a biased view mate!

I got contact, he told me to wait 3 more months before applying for a credit card - if I wait then ring that person they will guarantee my acceptance so long as my accounts remain the same, the way I manage them.

That aint a contact in my eyes, its a commission sale using my own behaviour score LOL

No I already have an overdraft - She removed my credit search from HSBC. Take it as you please.

sutton111

never-in-doubt wrote: »

mate you know they can't - they use behaviour score and credit score. You have to wait 6 months and then they will do it. If they say no then go to a proper branch, in town not a local sub branch. Ive dealt with so many HSBC appeals its unreal and trust me, no individual on the phone can override things like is being suggested.

The account in innocents case must have been borderline thus they overrode it. Like me, once I went into branch with ID they accepted me, had I awaited a letter it would have declined. I got told to do this and they always accept you.

Apply online, get ref number then a day later go into branch and say you want to finalise the account opening process, they can they make it go through somehow.....

Maybe when they see you in person it helps the account opening process - ShelfStacker can you help to clarify this matter mate?

Okay. Cheers.

mumofboys_2

sutton111 wrote: »

:rotfl: :rotfl:

Isn't it one of your hobbies? LOL:rotfl:

Hell, I'd give it a go - you coming?;)

never-in-doubt

Innocent_Guy wrote: »

No I already have an overdraft - She removed my credit search from HSBC. Take it as you please.

I have O/D as well mate and two full bank accounts with them, been customer since Dec 08 (i.e. 4 months) and they told me that in 2 months time (6 months total) that my behaviour score will let me apply for most and get accepted so long as my accounts are run the same.

so what did this contact do for you and why? If it was just to remove a search, thats normal - you're a customer and they will remove searches - I have had 3 CC app searches removed cos I kept applying and HSBC eventually wrote with above details.... not being snotty mate, just saying that it may be misleading cos they adhere to strict guidelines and cannot deviate.....

Innocent_Guy

Right I got to do some work _ I have a client that is very annoyed and I need to make some phone calls. Will be back later - have fun all

NID I'll chat later regarding HSBC!

Cheers

sutton111

mumofboys wrote: »

Hell, I'd give it a go - you coming?;)

Oh yes please!!