Sub Prime Credit Thread Part II

never-in-doubt

Innocent_Guy wrote: »

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

lol okies mate see you later mwah!

TheEffect

I just phoned HSBC. They said that customers cannot appeal the decision and that you must wait 3 months before HSBC can even look at your application again. They also said that branches cannot override the system and if you have been declined because of your credit rating, staff cannot change this decision.

Hmm...

sutton111

TheEffect wrote: »

I just phoned HSBC. They said that customers cannot appeal the decision and that you must wait 3 months before HSBC can even look at your application again. They also said that branches cannot override the system and if you have been declined because of your credit rating, staff cannot change this decision.

Hmm...

It may still be worth a try going into your local branch and asking.

TheEffect

sutton111 wrote: »

It may still be worth a try going into your local branch and asking.

I shall do. I phoned Barclaycard and am going to write a letter, accompanying the latest copy of my credit report. Will do the same for CapitalOne.

cifpower

Can't stop sneezing

claire6hy

TheEffect wrote: »

I shall do. I phoned Barclaycard and am going to write a letter, accompanying the latest copy of my credit report. Will do the same for CapitalOne.

think you need to tell them what money you have coming in each month??

sutton111

cifpower wrote: »

Can't stop sneezing

Hay fever?

TheEffect

Has anyone got a template letter to dispute a credit card decision?

sutton111

TheEffect wrote: »

I shall do. I phoned Barclaycard and am going to write a letter, accompanying the latest copy of my credit report. Will do the same for CapitalOne.

Good Luck.

Cif has got a appeal letter. It's on this thread some where?

cifpower

sutton111 wrote: »

Hay fever?

Too early in the season for me