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Sub Prime Credit Thread Part II

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Comments

  • gomer
    gomer Posts: 1,473 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    PROLIANT wrote: »
    I am a Monument customer, they open an application window once every six months then close it after about a month.


    That's handy thanks. I will keep the link and persevere. ;)
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Thanks mate! :beer:

    I was thinking of Ulster but it appears my file is still trashed.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    gomer wrote: »
    That's handy thanks. I will keep the link and persevere. ;)

    Its been down for months now - since at least december (I applied end of Nov) when I applied and got straight decline but back then all that was on my report was baddies and bear in mind they are the ONLY CRA to exclusively use Call Credit...... which to be honest says it all, we all check our reports but how many of us actually report with Call Credit and check their reports? I've never - can't wait to see their SAR when it arrives.... should be interesting reading..... :j
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    never-in-doubt wrote: »
    Its been down for months now - since at least december (I applied end of Nov) when I applied and got straight decline but back then all that was on my report was baddies and bear in mind they are the ONLY CRA to exclusively use Call Credit...... which to be honest says it all, we all check our reports but how many of us actually report with Call Credit and check their reports? I've never - can't wait to see their SAR when it arrives.... should be interesting reading..... :j
    Hi trouble.

    Any news?
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    I got declined straight off the belt. :rolleyes:
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    PROLIANT wrote: »
    I got declined straight off the belt. :rolleyes:

    For Tesco? How odd, they even gave me a referral acceptance (later declined) and my file is a mess.....
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    sutton111 wrote: »
    Hi trouble.

    Any news?

    trouble? moi?

    No news is good news (or mail is slow).... either way i'm not holding much hope..... :beer:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    PROLIANT wrote: »
    I got declined straight off the belt. :rolleyes:

    Are you going to appeal?
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    I was thinking of Ulster but it appears my file is still trashed.

    Mate remember lenders may see something you can't such as Hunter/CIFAS or even one of Call Credit/Equifax could be to blame?

    Remember even though they use Experian, they do search Equifax as well as secondary search....

    Please don't trust Lee too much, he remind me of what the yanks call a snake! He will slither his way out of almost everything.... he accidently sent me a copy of an email he'd sent a colleague totally slagging me off which was hilarious to read but even funnier when I hit him with a SAR and asked for all personal emails from his system to be included and when he asked why (via email) I sent an extract of this email and he aint replied since.... guess he knows he's made a huge boob-boob.

    Makes me laugh though, he shouldn't get too involved - maybe he ought to just do his job and stop going that extra mile.....

    Getting too personal means he is acting with an opinion which is not allowed in the CRA game..... :rolleyes:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • cifpower
    cifpower Posts: 6,502 Forumite
    PROLIANT wrote: »
    I got declined straight off the belt. :rolleyes:
    Definitely appeal
This discussion has been closed.
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