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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
    sutton111 wrote: »
    I have just received the CCA to the Capital One. Next, I haven't received nowt yet.

    I'll scan the CCA tomorrow.

    does it have the prescribed terms? did you see my (contreversial) thread about it with the process? :confused:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    yes mate, when did you last pay them? can you post your cca (or email me it) cos you may get it written off and also get the default taken off :rolleyes:
    Would be good if you got them removed LOL

    NID my friend has submitted his section 10 request
    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
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Apparanty you have more chance of acceptance if you apply for cat first

    I told you that. It worked for me, I told Brian and it worked for him using the same process.

    You may just pass normally.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Would be good if you got them removed LOL

    NID my friend has submitted his section 10 request

    section 10? thats to dispute account and demand cessation of processing
    :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
    does it have the prescribed terms? did you see my (contreversial) thread about it with the process? :confused:


    Yes it has my signature and everything! Unfortunately! :mad::mad:
  • Brian1966
    Brian1966 Posts: 1,428 Forumite
    Equifax is prob good for me....... I hate the fact that littlewood want 2 searches to complete the application
    If no defaults or adverse then just apply for credit account without applying fr catalogue. If approved the catalogue will follow automatically.
    I did it the other way, catalogue, then account and got 750 with empire, 400 with littlewoods
    Natwest gold..Limit £1750 bal £970..Vanquis Limit £3000 bal £0..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £4900 bal £1356..Empire Limit £6200 bal £152..Jd williams..Limit £1100 bal £130..Simplybe..Limit £1500 bal 265,,Fashion world..Limit £1400 bal £145 Jacamo..Limit£125 bal 0
    Next..Limit £?? bal £0 Asda..limit £1250 bal £440,
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    apparently? who told u that mallarkey mate? :confused:
    Cant remember who LOL

    Can you remember sutton?
    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
    section 10? thats to dispute account and demand cessation of processing

    if they refuse the section 10 mate, go here: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/191791-knocked-back-dca-sec.html

    copy the letter and away you go! HTH :D
    :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
    Brian1966 wrote: »
    If no defaults or adverse then just apply for credit account without applying fr catalogue. If approved the catalogue will follow automatically.
    I did it the other way, catalogue, then account and got 750 with empire, 400 with littlewoods

    It worked for you didn't it Brian.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Cant remember who LOL

    Can you remember sutton?

    not me was it? haha - i said that for jacamo I think cos brian told me :-)
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
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