Sub Prime Credit Thread Part II

victor-meldrew_4

hi new to forums so please forgive mistakes.computer illiterate too.ive typed out a massive post and lost it .ill make this one brief and fill in if i have too.been lurking on this thread a while.at times very funny.
A nyway jost got a decline from nationwide to up grade a basic account.said experian checked adverseley affected.unless found inaccurate final decission.
experian and equifax clean,plus they never checked,all green 0s.loads of acccounts no defaults.all the usuall vanquis barclaycard initial cap one etc etc.got a sygma acessory decline with no ciffas added,thank god.not on e roll but have adr proofs.rbs acepted in principal for there middle current account but declined c/card.
anyway,my partner,no f association was also with nationwide,they would never give her anything.when she left she got everthing ,some mainstream credit.her credit history is a little iffy.
appealing tesco and mbna as its got to be e/roll prob.
Cant work out nationwide though.no credit in 14 yrs apart from all the current green o credit i have now.
again excuse literecy and if post is wrong etc

gomer

Does anyone have a Monument card? They are not taking any applications online for some reason, yesterday was the same. Have they stopped lending?

mumofboys_2

victor-meldrew wrote: »

hi new to forums so please forgive mistakes.computer illiterate too.ive typed out a massive post and lost it .ill make this one brief and fill in if i have too.been lurking on this thread a while.at times very funny.
A nyway jost got a decline from nationwide to up grade a basic account.said experian checked adverseley affected.unless found inaccurate final decission.
experian and equifax clean,plus they never checked,all green 0s.loads of acccounts no defaults.all the usuall vanquis barclaycard initial cap one etc etc.got a sygma acessory decline with no ciffas added,thank god.not on e roll but have adr proofs.rbs acepted in principal for there middle current account but declined c/card.
anyway,my partner,no f association was also with nationwide,they would never give her anything.when she left she got everthing ,some mainstream credit.her credit history is a little iffy.
appealing tesco and mbna as its got to be e/roll prob.
Cant work out nationwide though.no credit in 14 yrs apart from all the current green o credit i have now.
again excuse literecy and if post is wrong etc

Can you not get yourself on the electoral role. If you feel this is the only thing stopping your acceptance would it not be worthwhile?

victor-meldrew_4

yes i sorted that yesterday.i also have 5 yrs counciltax bills and rent showing me here.what worries me is the nationwide adverse lark.
thanks for reply.
on the monumeny question
i recently got a monument at a time this thread previosley said they werent accepting applications.obviousley im not saying your wrong ,just trying to help

gomer

victor-meldrew wrote: »

yes i sorted that yesterday.i also have 5 yrs counciltax bills and rent showing me here.what worries me is the nationwide adverse lark.
thanks for reply.
on the monumeny question
i recently got a monument at a time this thread previosley said they werent accepting applications.obviousley im not saying your wrong ,just trying to help

Did you apply online? It's thier website that's not accepting applications at the moment.

victor-meldrew_4

i did apply on line.i messed the singing box up,put both names in so had to sort it out over phone.
the got told to go back on line delete cookies becuase they wouldnt let me sing porperly.
i dont suppose that helps with your original question.they are willing to deal with it over phone,but they wanted to phone me back at a later date ,so they suggested cookies thing to speed up.

Innocent_Guy

gomer wrote: »

Does anyone have a Monument card? They are not taking any applications online for some reason, yesterday was the same. Have they stopped lending?

Monument stopped new customer apps months ago

victor-meldrew_4

28/01/09 was when my account was opened.i do remeber this thread saying they had stopped before that.perhaps you just have to regualy check and you may get lucky

cifpower

Innocent_Guy wrote: »

cif can I have the address please

They will send you a decline letter out. You need this because it has your references on it which you need to quote on your appeal letter.

Innocent_Guy

cifpower wrote: »

They will send you a decline letter out. You need this because it has your references on it which you need to quote on your appeal letter.

Cheers Cif