Sub Prime Credit Thread Part II

wigster78

Oh well al hope is lost...tesco and ulster bank declined me.....and there's me thinking my rating had improved!!! Back to waiting anoher 6months it is then!! lol

wigster78

This is probably in the wrong section but i have 2 accounts with jd williams, jacamo and home essentials. Does anyone know if they do a catalogue for kids clothes?

Thanks

louiser123

morning all,

cant believe this!! i have aqua card 250 limit had it since about may last year. i pay minimum by direct debit every month and then pay more manually. this month i decided leave it at minimum as i needed to save 700 to pay holiday. so direct debit due out on 2nd as usual. i have been plagued by aqua and i mean plagued yesterday 7 calls on my home phone 5 on mobile, they didnt take the direct debit out when they said they would so they are now constantly ringing to inform me i have not paid!!! 7.28!! i pointed out on the fourth when they rang it was direct debit they agreed it was but didnt know why it hadnt been requested, nice lady said its our error i will place a note on file and the dd will be taken shortly no need to worry. today letter arrives quite curt with 12 pound late fee, i am furious bl**dy hell i would hate to think i owed a fortune they would ring nonstop although they have anyway.

so i am making them wait now, sending in a letter to tell them its thier responsibility to collect my payments not mine to remind them, the money is there waiting!! and i refute a late fee when infact they are the ones who have made the boob. i will also be answering the phone to then each and evry time they ring and leaving them on the other end to ensure it costs them loads all for a 7 pound payment THEY forgot to take!!! card will then be cancelled and closed. sooooo mad!!!

claire6hy

halifax just tease you with that on online banking!

Cash_Flow

louiser123 wrote: »

morning all,

cant believe this!! i have aqua card 250 limit had it since about may last year. i pay minimum by direct debit every month and then pay more manually. this month i decided leave it at minimum as i needed to save 700 to pay holiday. so direct debit due out on 2nd as usual. i have been plagued by aqua and i mean plagued yesterday 7 calls on my home phone 5 on mobile, they didnt take the direct debit out when they said they would so they are now constantly ringing to inform me i have not paid!!! 7.28!! i pointed out on the fourth when they rang it was direct debit they agreed it was but didnt know why it hadnt been requested, nice lady said its our error i will place a note on file and the dd will be taken shortly no need to worry. today letter arrives quite curt with 12 pound late fee, i am furious bl**dy hell i would hate to think i owed a fortune they would ring nonstop although they have anyway.

so i am making them wait now, sending in a letter to tell them its thier responsibility to collect my payments not mine to remind them, the money is there waiting!! and i refute a late fee when infact they are the ones who have made the boob. i will also be answering the phone to then each and evry time they ring and leaving them on the other end to ensure it costs them loads all for a 7 pound payment THEY forgot to take!!! card will then be cancelled and closed. sooooo mad!!!

I hope you don't get a missed payment (1) on your credit file

sutton111

never-in-doubt wrote: »

When you log-in to halifax online and see this message; does it mean you'll get it, like pre-approved? Or is it just a sales ploy with no set outcome?

Cheers

My parents always get offered this. They have applied once and declined. :mad:

sutton111

claire6hy wrote: »

halifax just tease you with that on online banking!

Yes they do.:mad:

cifpower

never-in-doubt wrote: »

When you log-in to halifax online and see this message; does it mean you'll get it, like pre-approved? Or is it just a sales ploy with no set outcome?

Cheers

I get this all the time. Its just a !!!!! tease. It kept popping up last week so I applied. I got a decline letter this morning but the bloody thing keeps popping up.

bigbum_2

never-in-doubt wrote: »

When you log-in to halifax online and see this message; does it mean you'll get it, like pre-approved? Or is it just a sales ploy with no set outcome?

Cheers

Yeah, it's a sales thing. I applied about 2 months ago and got rejected and the page still pops up when i logon to the halifax account.

cifpower

Bloody flies everywhere!