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Sub Prime Credit Thread Part II

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Comments

  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    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!
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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
    cifpower Posts: 6,502 Forumite
    Can't stop sneezing
  • claire6hy
    claire6hy Posts: 967 Forumite
    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??
    THANK MEEE:j
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    cifpower wrote: »
    Can't stop sneezing

    Hay fever?
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Has anyone got a template letter to dispute a credit card decision? :D
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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
    cifpower Posts: 6,502 Forumite
    sutton111 wrote: »
    Hay fever?
    Too early in the season for me
This discussion has been closed.
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