Sub Prime Credit Thread Part II

sutton111

Innocent_Guy wrote: »

Cheers Cif

Did you make a note of your reference number when you applied?

cifpower

sutton111 wrote: »

Did you make a note of your reference number when you applied?

You are not given a ref when you apply. You are given two on the decline letter like this:

Reference
AH4FHDKS9
XJD9328DJS

and you need to quote these on your appeal letter

Innocent_Guy

cifpower wrote: »

You are not given a ref when you apply. You are given two on the decline letter like this:

Reference
AH4FHDKS9
XJD9328DJS

and you need to quote these on your appeal letter

I just spoke to tesco and got the ref numbers. Apparently the only ask for bank statements if you fail the scorecard. After reviewing your statements they will determine if you can afford / manage a credit card.

sutton111

cifpower wrote: »

You are not given a ref when you apply. You are given two on the decline letter like this:

Reference
AH4FHDKS9
XJD9328DJS

and you need to quote these on your appeal letter

Oh I see.

He could ring them and ask couldn't he?

seeya23

sutton111 wrote: »

Well done Seeya. I'll check mine in a while.

well done sutton

sutton111

Innocent_Guy wrote: »

I just spoke to tesco and got the ref numbers. Apparently the only ask for bank statements if you fail the scorecard. After reviewing your statements they will determine if you can afford / manage a credit card.

Ah, you beat me to it.

Any other news Innocent?

Innocent_Guy

Innocent_Guy wrote: »

I just spoke to tesco and got the ref numbers. Apparently the only ask for bank statements if you fail the scorecard. After reviewing your statements they will determine if you can afford / manage a credit card.

Anyone know the link to the appeal template letter? We need to make it a sticky!

cifpower

Innocent_Guy wrote: »

I just spoke to tesco and got the ref numbers. Apparently the only ask for bank statements if you fail the scorecard. After reviewing your statements they will determine if you can afford / manage a credit card.

Interesting. Thanks for the tip.

Innocent_Guy

sutton111 wrote: »

Ah, you beat me to it.

Any other news Innocent?

Just been on the phone to Hancock - Tesco advised there is adverse showing on my CF. This was supposed to all be removed. Hancock said he will see what systems tesco use and will call me back in half an hour. He also said a SAR can take 40days...

cifpower

Innocent_Guy wrote: »

Anyone know the link to the appeal template letter? We need to make it a sticky!

THIS the one? Its what I used.