Sub Prime Credit Thread Part II

sutton111

TheEffect wrote: »

Finished the letter, printed and going to send them off tomorrow.

Good luck. Can't do no harm.

TheEffect

Yup. I'll keep you updated on the response.

mumofboys_2

Innocent_Guy wrote: »

Orange weight credit scoring more that credit rating

Probably stupid question time, but could you explain the difference to me?

Thanks

MOB

never-in-doubt

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...

Yup I did mention earlier that you have to go into a branch cos the phone staff can't help but did you listen? NOPE!!!

Now they'll have updated your account and guess what? You can't do owt for 3mth.

Jees, why do some people think they know best? i'f you'd followed my advice - you'd have a HSBC account already :rolleyes:

never-in-doubt

sutton111 wrote: »

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

Pointless now mate, the phone banking will have removed the flag that means the branch cannot touch it now. Too late.

3 months to wait now..... ho hum :cool:

never-in-doubt

sutton111 wrote: »

Good Luck.

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

Is this the same appeal that I done and now cif gets credit for - charmin! Thanks mate! Cif used it to appeal BOI - LOL

never-in-doubt

TheEffect wrote: »

Thanks for that letter. Here is something I put together quickly. I'm going to go over it now and make a few changes.

Favour is spelt with a 'U' in it and also you write it to Dear Capital One.....

Nice letter though

TheEffect

Edit - I'll retract that comment.

seeya23

good evening to all

never-in-doubt

TheEffect wrote: »

You're talking out of your %$$. When I phoned them, they said how can I help, I said I applied for a credit card, got declined, can I appeal.

At what point in that conversation did they 'Look up my account, flag it so that the staff cannot touch my account details in branch'.

Seriously, you're full of bull.

??? Im talking bank account - when did credit card come into this equation?

I think before you talk to me like that you ought to go into branch and see for yourself. I;ll explain how ONLINE works (usually same process across the board).

If you apply online and then call telephone banking this locks it so that only TB can act on account, i.e. postal. If on the other hand you went into a branch and applied, you would then deal with that branch all the time

Trust me - that is a fact and you are wrong! Put it this way, I have an account, sorry 2, with them and my credit file is a nightmare so I do know what i'm on about cos ive been through it like 50 times