We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Sub Prime Credit Thread Part II

1…765766768770771…1003

Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    TheEffect wrote: »
    Still haven't heard anything from BarclayCard. Going to get on the blower to them today.

    Also, going to ring Equifax, as I have 13 searches on the credit report, and 6/7 of them are duplicates from the same company, e.g. o2 did 3 searches, t-mobile did 2, flybe did 2 etc.
    You need to open an online dispute mate
    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
    cifpower wrote: »
    Don't like applying for them as they double search

    They don't its bulls!t I check my CF yesterday
    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
    cifpower wrote: »
    Just off the phone from Tesco. They need proof of income and my bank statement will not suffice. This means I will have to send in letters from the benefits agencies. Talk about awkward! I just hope I have got the letters to send.
    Sound like they are contemplating approving you!!! It looks like you will soon have your shiny mastercard on your doormat

    Well Done,
    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
    Innocent_Guy wrote: »
    They don't its bulls!t I check my CF yesterday
    Whenever I have applied in the past they have always double searched so I am giving them a wide berth whilst I have that default.
  • cifpower
    cifpower Posts: 6,502 Forumite
    Innocent_Guy wrote: »
    Sound like they are contemplating approving you!!! It looks like you will soon have your shiny mastercard on your doormat

    Well Done,
    Well we can but hope
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    cifpower wrote: »
    Nah! You're alright! If I do get it, it will probably come with a tiddly £250 limit.
    I think the min is £400 mate
    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
    Innocent_Guy wrote: »
    I think the min is £400 mate
    That would be nice. Prefer a few grand though!
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    TheEffect wrote: »
    I rang Barclays and the guy was useless, spoke to me like crap and was very unhelpful. Decided to go back to Lloyds TSB, as I found them a great bank. I've just opened a standard current account, with a savings account and save the change. The lady on the phone was very helpful. Card will come in a few days. :)
    Any O/D or CC offered?
    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
    sutton111 wrote: »
    On that note I rang Abbey again for a card "upgrade" and surprise surprise, they said not yet. The girl I spoke to today was bloody useless. She said you have to wait 3 clear months between applications for an upgrade, well that's total rubbish.

    I'm sure they don't get properly trained!
    Abbey are so useless I want to cut my wrists after getting off the phone to 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
    sutton111 wrote: »
    Are you going to close your HSBC one?

    I bet it's a pain in the !!!! ringing them all the time to get a £3 refund!
    Leave it for the green o's

    Did HSBC give you an O/D?
    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.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.5K Banking & Borrowing
  • 253.7K Reduce Debt & Boost Income
  • 454.5K Spending & Discounts
  • 245.5K Work, Benefits & Business
  • 601.4K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture