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Sub Prime Credit Thread Part II

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Comments

  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    edited 6 April 2009 at 7:55PM
    Anyway - got a letter today from Ulster, what I thought would be the PIN, saying I don't meet their criteria and a decline LOL (now there is a surprise)....

    It says that it was due to info on my experian file - LOL - again, no real surprise.....

    Cif, is this what you got or was your different? It does say in last para that I can appeal by sending in info but not really worth it cos I do have several hundred searches against me so they have got a point!
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    My OH wants a 0% card to BT to from a few other cards. Any ideas? Credit rating is Ok / Good but have been a few late payments recently
    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
    Innocent_Guy wrote: »
    LOL, This was like 5 days ago??? I told you about it. It said thanks for your application you will recieve a CCA in x amount of days please sign it and return blah blah blah

    Ahh right so in 2-3 weeks you'll get a little envelope (the long slim ones) with a single page saying sorry, you do not meet our criteria - it will be from underwriting with a code like NEW003 or summat similar..... they never sent the ruddy CCA - not to us sub-primers anyway!

    Appeal it is my man :-)
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    My OH wants a 0% card to BT to from a few other cards. Any ideas? Credit rating is Ok / Good but have been a few late payments recently

    you're like a parrot, you said only yesterday you were getting her to apply for debenhams gold - especially as she has the store version - should go right through!!!
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Anyway - got a letter today from Ulster, what I thought would be the PIN, saying I don't meettheir criteria and a decline LOL (now there is a surprise)....

    It says that it was due to info on my experian file - LOL - again, no real surprise.....

    Cif, is this what you got or was your different? It does say in last para that I can appeal by sending in info but not really worth it cos I do have several hundred searches against me so they have got a point!
    Did you ever get accepted for anything after your application spree?
    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
    Innocent_Guy wrote: »
    Did you ever get accepted for anything after your application spree?

    LOL - don't go there :mad:

    I dunno mate, only had this reply so far - I guess that means nope, nope, nope across the board! I applied for footy MBNA cards today!
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    you're like a parrot, you said only yesterday you were getting her to apply for debenhams gold - especially as she has the store version - should go right through!!!
    Well there is a story here thank you !!!! :mad::mad::mad::mad:

    Debenhams clerk ( I know he properly doesn't have a clue ) but he advised that he can run through the app however GE / Santander don't like upgrading gold store card customers that use there card regulally as they are earning good money from them
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Ahh right so in 2-3 weeks you'll get a little envelope (the long slim ones) with a single page saying sorry, you do not meet our criteria - it will be from underwriting with a code like NEW003 or summat similar..... they never sent the ruddy CCA - not to us sub-primers anyway!

    Appeal it is my man :-)
    I cannot see a credit search anywhere.....
    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
  • cifpower
    cifpower Posts: 6,502 Forumite
    never-in-doubt wrote: »
    Anyway - got a letter today from Ulster, what I thought would be the PIN, saying I don't meet their criteria and a decline LOL (now there is a surprise)....

    It says that it was due to info on my experian file - LOL - again, no real surprise.....

    Cif, is this what you got or was your different? It does say in last para that I can appeal by sending in info but not really worth it cos I do have several hundred searches against me so they have got a point!
    Mine did not say it was due to my file. It just stated that my score was too low.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    cifpower wrote: »
    Mine did not say it was due to my file. It just stated that my score was too low.
    You could possibly get that overturned. Score can be overturned usually with 3 month bank statements
    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
This discussion has been closed.
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