Sub Prime Credit Thread Part II

sutton111

cifpower wrote: »

The letter said 3 months original bank statements AND

2 payslips

OR

P60

OR

2 utility bills if not working

and 1st class - stuck 4 stamps on the front

Ah, no expensive spared.

No post from Northern Ireland yet!

claire6hy

cifpower wrote: »

Have you got something nice in mind to buy?

nah, i just like to have the card in my posession
going to spain in june, so going to keep it as an emergency card for then i think

cifpower

sutton111 wrote: »

Ah, no expensive spared.

No post from Northern Ireland yet!

Well I have to get my priorities right

sutton111

claire6hy wrote: »

nah, i just like to have the card in my posession
going to spain in june, so going to keep it as an emergency card for then i think

Not having your haircut again then Claire?

sutton111

cifpower wrote: »

Well I have to get my priorities right

Oh, thank you...:rolleyes:

cifpower

sutton111 wrote: »

Oh, thank you...:rolleyes:

Mon plaisur

claire6hy

sutton111 wrote: »

Not having your haircut again then Claire?

haha thats on friday, but i get pennies in my bank before then

never-in-doubt

cifpower wrote: »

Got a reply from Tesco Personal Finance. They have asked for 3 months bank statements and, as I am not employed, two utility bills.

Nice so that means its likely to be a yes then?

Did they give you limit at acceptance screen?

well done - fingers crossed (I got declined by letter LOL)

never-in-doubt

Cash_Flow wrote: »

I know for a fact that you are wrong.

Why do you think banks are slashing credit limits and removing O/D facilities?

Do you really think that if a bank new you were missing payments on your borrowing with other lenders that they would hesitate to call in your O/D?

Banks have a duty to protect shareholders money and knowledge is power, I can't belive you would be silly enough to suggest otherwise.

I thought this thread was about helping people in the sub prime?

How can we help people in the sub prime without giving them factual information.

If you read back through last nights posts what kind of message is being sent out to new visitors to this forum?

I'm only going on what the woman in HSBC told me cos I made it clear I did not want monthly credit searches done and I was told 'we only perform a credit search if you review your borrowing needs, in applying for an overdraft or any other lending increases'.

I am going on that convo mate and if you're saying my bank crddit check me monthly then why aint it showing on my file?

I understand what you're saying about when they get monthly updates but again, can't be accurate with HSBC cos my credit file is a right mess - trust me you aint seen one like it before - and I got 2 accounts with o/d & c/g with HSBC and two mainstream credit cards and a vanquis.

Why is that then?

cifpower

never-in-doubt wrote: »

Nice so that means its likely to be a yes then?

Did they give you limit at acceptance screen?

well done - fingers crossed (I got declined by letter LOL)

I got a straight out decline when I applied online