Sub Prime Credit Thread Part II

victor-meldrew_4

Cash_Flow wrote: »

Just applied for Littlewoods Direct and:D



Thank you for your catalogue request

Thank you.

We will send you a copy of our latest book, which you should receive within the next 7 days.

In the meantime --- to shop online.

To help you start shopping right away, we have pre-authorised that you can spend up to £1000. This offer is available until 29-Aug-09.

nice one.thats the figure they started my o/h on.she done three catalougues with the group the same day.all 1000 start

Innocent_Guy

victor-meldrew wrote: »

nice one.thats the figure they started my o/h on.she done three catalougues with the group the same day.all 1000 start

Yeah I got 2 SDG in the same day of £500

victor-meldrew_4

Innocent_Guy wrote: »

Yeah I got 2 SDG in the same day of £500

ive spent and paid for 1000s on my littlewoods direct.
but
me littlewoods direct,littlewoods,addittions d,kays,great universal,empire stores.
o/h littlewoods direct,littlewoods,choice,marshall ward,kays.

littlewoods direct have had the slowest increases in limits.strange becuase that was my first and has had a lot of money spent on it.in my case also had lowest initial limit.best one though.
you can also request increases,its no problem.i havent had to though

victor-meldrew_4

Innocent_Guy wrote: »

Yeah I got 2 SDG in the same day of £500

isnt it strange that you can get 4000 ish accross three catalouges in one day and then struggle for a high apr 250 limit c card.
my o/h put 500 ish in large purchases the same day as opening on all her catalouges.she had no problems,so its not a sytem error or anything.she has paid it all of now though

sutton111

cyril82 wrote: »

hey sutton, sorry to just jump in on your conversation but perhaps you can help me with somethin.

i wanna try and get a default removed from barclaycard, i am still paying them but the card dates back nearly ten years, i took it out when i was 18 and ran amock. anyway i reckon theres a good chance they wouldn't be able to produce my cca and i know if they can't produce a cca they can't enforce the debt but thats not what i'm after, i'm happy to pay the debt.

however i heard (well read actually) in another forum that without the cca they cant record info on your credit file as they need your permission to do that, which you give in the cca, so no cca = no permission and must remove if requested.

Don't happen to know if that's right do ya? Cheers in advance.

If it's a default you want removed off your credit file, it shouldn't still be on there anyway if it's 12 months old. They only should remain on your file for 6 years from the default date.

Have you made any payments towards the debt in the last 6 years?

sutton111

TheEffect wrote: »

I'm so angry. After ringing Barclaycard this morning, I was told 'Your application has been sent to the composition team (Underwriters?), and that no decision had been made. Ugh.............. what's with this company.

That's typical Barclaycard.

sutton111

Innocent_Guy wrote: »

What a pain!!!! At least it isn't a straight decline. Remember they do use National Hunter as Sutton said.............

I did warn him. I hope it works out though.

Where have you been? Over 24hrs without posting!

Innocent_Guy

sutton111 wrote: »

I did warn him. I hope it works out though.

Where have you been? Over 24hrs without posting!

I have been in bed ill!!!!! Just back from the doctors and now sitting in the garden, in the sun, with shorts and t-shirt adding to my tan

Innocent_Guy

My friend has just received a letter from Vanquis pre-approving him a card with a starting CL of £250 - £1000 how interesting

PARIS_5000

My new argos card came with a limit of only 250 but does have buy now pay later on goods that is interest free.