Sub Prime Credit Thread Part II

victor-meldrew_4

Innocent_Guy wrote: »

I'm livid, I knew they would decline it just want a proper reason not your went over your agreed overdraft which is a lie!!!

perhaps you are perfectley meeting their criteria,but the human involved,undewritter is reluctant.maybe they want you to cancell application they have no grounds too.??
are they performance related?would a big earner be better for them?
or is all that a bit far fetched?

Innocent_Guy

victor-meldrew wrote: »

perhaps you are perfectley meeting their criteria,but the human involved,undewritter is reluctant.maybe they want you to cancell application they have no grounds too.??
are they performance related?would a big earner be better for them?
or is all that a bit far fetched?

I can image some power hungry old woman sitting processing these applications smirking everytime she knocks one back

victor-meldrew_4

Innocent_Guy wrote: »

I can image some power hungry old woman sitting processing these applications smirking everytime she knocks one back

ha ha .your probably rite.its been long enough now that if a practical reason was preventing your application you would have herd.not a made up reason.
stick with it out of pricipal.you can always tell them to stick it when they approve you.
they cant discriminate,they havent given you a genuine reason,you may be in luck.perhaps most people would have given in by now,wich is handy if you dont discriminate,but prefer a different profile of customer.
or im a paranoid plonker

cyril82

sutton111 wrote: »

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?

Hi, the account is not statute barred as i do still pay them, they first pulled my card without defaulting the account, i think because i hadn't actually spent on it for over 5 years and only really paid it when i remembered (which i did't do often hence it running into problems) or failing that when they rang me about it i would clear the arreas and a bit of the balance but because i would forget to pay again i'd end up owing more and more on it without spending. Eventually about 2 years ago they defaulted me the second i missed a payment, which i paid at the bank 3 days before it was due instead of 5, so it was two days late, although they say more, and now i pay them on d/d (should of done that in the first place eh and i wouldn't have the default).

but basically i was very very lax with this account which is why i am prepared to accept my financial commitment and not try to write off the remaining debt which is almost 100% made up of charges at about £400, but beleive it or not i am no where near as un-organised with any of my other financial commitments and this credit card is the one "blip" on my credit file and i'd very much like to remove it now rather than in four years.

So if i request a cca and they dont have it am i right in thinking i can ask them to remove all record of this card?

i know i'm butting in here but you sounded like you had some experience in the matter so that's why i'm picking your brains, any help gratefully received. :beer:

sutton111

Innocent_Guy wrote: »

Just called tesco, they have advised me that there has obviously been some mistake and they want me to resend them the statements!!!!! As much as I want the card they can now stick it up their a$$

So what are you going to do now?

I would send them in again and send a letter as well.

cifpower

Rang Tesco and they said they haven't received the documents I sent last week. It may take 10 days apparently. Also, I didn't put that I was receiving benefits on my application. I did! I said I was unemployed!

You know what? They can stick the card up their chuff. I don't want it any more. More hassle than its worth.

sutton111

cifpower wrote: »

Rang Tesco and they said they haven't received the documents I sent last week. It may take 10 days apparently. Also, I didn't put that I was receiving benefits on my application. I did! I said I was unemployed!

You know what? They can stick the card up their chuff. I don't want it any more. More hassle than its worth.

I think Innocent is having the very same problem. I don't blame you.

It seems they don't know "they Ar*e from their Elbow".

What did they think you put down on your application? Psychiatrist?

Tesco do seem to be very difficult to deal with.

cifpower

Well I have had enough of them. I have sent:

3 months bank statements
2 utility bills
benefit award notices
letter detailing how much my benefits are, when they are paid and how they are listed on my bank statement

if they can't make a decision based on all that I give up

sutton111

cifpower wrote: »

Well I have had enough of them. I have sent:

3 months bank statements
2 utility bills
benefit award notices
letter detailing how much my benefits are, when they are paid and how they are listed on my bank statement

if they can't make a decision based on all that I give up

They are just a bunch of buffoons. I'm staying well clear.

BTW my Mum and Dads OD is fine again. It says the same as before now.

cifpower

I caught up on your Halifax thread