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Sub Prime Credit Thread Part II

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Comments

  • cifpower
    cifpower Posts: 6,502 Forumite
    Just taken delivery of my Bluray player :D
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    cifpower wrote: »
    Well they were as much use as a chocolate fireguard. They couldn't find my details on the system but they have taken my details and will pass it on to the underwriters who are off til Tuesday.
    So its pointless me calling them today :mad::mad:

    Beaware because flybe love there good old cifas!

    That is the last thing you need
    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
    So its pointless me calling them today :mad::mad:

    Beaware because flybe love there good old cifas!

    That is the last thing you need
    My OH applied BTW
    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
    The main stumbling block is that I didn't keep a note of my application ref
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    cifpower wrote: »
    The main stumbling block is that I didn't keep a note of my application ref
    Flybe? Have you already applied?
    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
    Flybe? Have you already applied?
    I applied two weeks ago and was declined. That's when I sent in my appeal letter.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    cifpower wrote: »
    I applied two weeks ago and was declined. That's when I sent in my appeal letter.
    Ohh ok........ Let us know what they say....

    Do you think tesco will overturn yours?
    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
    I am more hopeful about Tesco than Flybe. I don't think Tesco would have asked for the bank statements and utility bills if they weren't minded to overturn the decision.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    cifpower wrote: »
    I am more hopeful about Tesco than Flybe. I don't think Tesco would have asked for the bank statements and utility bills if they weren't minded to overturn the decision.
    It may be worth asking tesco if it was a score decline or adverse decline.

    They told me when I asked...

    If it is just score declined what it sound like it is with them asking for statements, providing you can show that you can afford a credit card the WILL overturn it.

    You do not need to speak to underwriters for this, customer services can advise
    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
    I may give them another ring but I don't want to come across as needy because presumably they log every call
This discussion has been closed.
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