Sub Prime Credit Thread Part II

Innocent_Guy

Chocolate_Button wrote: »

I have 3 satisfied defaults due to come off in a few months.

re: credit i have Halifax mortgage, HSBC PLus account, HSBC Loan, vanquis, cap1, aqua, littlwoods, lw extra, empire and next. Most of these have been approved over the last few months with quite good limits. no missed payments on anything since 2003.

Ohh ok, I just opened Littlewoods and Empire. I have Vanquis aswell. What are HSBC like with approving loans? I was thinking of requesting a 2k loan.

Did they approve you an O/D or CC?

Was you pre-approved?

Sorry to ask 21 questions......

thanks

Innocent_Guy

Chocolate_Button wrote: »

p.s i have tonnes of searches tho!

How many CB?

I have loads on experian LOL

never-in-doubt

Chocolate_Button wrote: »

hi

i sent off my appeal to BOI 3 weeks ago - feels like I have been waiting forever for a reply! Should I call them?

It takes ages, I mentioned in earlier post that it took me 3 weeks, then i got CCA, then 3 weeks to get PIN and card etc - give them around 8wks to get it sorted.....

Innocent_Guy

never-in-doubt wrote: »

It takes ages, I mentioned in earlier post that it took me 3 weeks, then i got CCA, then 3 weeks to get PIN and card etc - give them around 8wks to get it sorted.....

Got there address please NID

never-in-doubt

Innocent_Guy wrote: »

It wasn't on there LOL! Address would be appreciated although I am sure NID will have it somewhere. Do you have any naughties on your file? What lines of credit do you already have?

Bank of Ireland
Direct Personal Banking
FAO Underwriting Dept
1 Donegall Square
South Belfast
BT1 5LR

template Letter here: http://forums.moneysavingexpert.com/showthread.html?t=1612333

Chocolate_Button_2

never-in-doubt wrote: »

It takes ages, I mentioned in earlier post that it took me 3 weeks, then i got CCA, then 3 weeks to get PIN and card etc - give them around 8wks to get it sorted.....

i won't hold my breath then!!

never-in-doubt

Innocent_Guy wrote: »

Got there address please NID

Done :beer:

Innocent_Guy

never-in-doubt wrote: »

Bank of Ireland
Direct Personal Banking
FAO Underwriting Dept
1 Donegall Square
South Belfast
BT1 5LR

template Letter here: http://forums.moneysavingexpert.com/showthread.html?t=1612333

Cheers mate, must send appeal tommorow

Innocent_Guy

Chocolate_Button wrote: »

i won't hold my breath then!!

It's a shame that they take so much time....

never-in-doubt

Chocolate_Button wrote: »

i won't hold my breath then!!

As I said with my brother it was weird, as below;

1. He applied
2. Got declined
3. He appealed
4. They sent CCA and letter of approval
5. He returned expecting card to come
6. Month later he rung and got told they decline him
7. He wrote back arguing this was wrong cos he'd been told he'd been accepted
8. They wrote back saying sorry, not eligible
9. Then a card arrived around 11 weeks after 1st applying
10. Card is dead as the account was never officially opened

Take from that what you will but i'd say wait until you get the card before banking on it going through. It seems that when you return the CCA they do another check on you.

Like with me, I started with 2 grand limit then dropped and now at 1 grand cos they check equifax monthly.