Sub Prime Credit Thread Part II

sutton111

Innocent_Guy wrote: »

I know the feeling. I just love applying for anything..........

None of us are as bad a PROLIANT who had 147searches or something like that

NID is following closely behind ( He may even be in front now! )

I've haven't applied for anything since early February! I'm sticking to my October plan, I think.

Even though I got the urge to apply for a HSBC Current account the other night. It was too celebrate going on to the Electoral Roll! (How sad!)

PARIS_5000

Effect

Capital one website is very good and show all your purchases and statements . There is free online access and alerts to your credit file with equifax through your capital one card.

Good luck

Innocent_Guy

Well done,

DO you know if proliant got accepted for his Zopa loan?

sutton111

Innocent_Guy wrote: »

Well done,

DO you know if proliant got accepted for his Zopa loan?

Yes he did.

BTW they search Equifax.

TheEffect

Who do cap1 search and report to?

PARIS_5000

Experian and Equifax

sutton111

TheEffect wrote: »

Who do cap1 search and report to?

Capital One search both Equifax and Experian. They report to both.

TheEffect

Ok, thanks.

victor-meldrew_4

hi
been going through the o/h paperwork today.
her sygma/adams mastercard is sub prime.it also came with initial blockage on telephone and online payments.
i take it they dont offer a direct sub prime product anymore,as the flybe/accesory are mainstream/ish.
also rechecked my accesory application.creation done a soft search on eq and sygma done the full.strange.

TheAnalyst

never-in-doubt wrote: »

Mate I know for a fact that welcome do accept offers cos there is a huge thread on CAG (you need to join to view it though) and the lad there confirmed they owed £3k and offers £1.2k and got accepted - however, it is your local branch who make decision as they take the hit (franchises or summat springs to mind?) so to be honest before going further join CAG and see the thread cos it has template letter of the offer made etc....

Remember it is branch specific so if you rung the main number, they will say no.

Also bear in mind you need written proof that they will mark credit file correctly and not as partial settlement or with any agreement etc.... you need to do this in writing when making F&F mate (Full & Final offers)

Could have been me... I owed Welcome £3400odd after paying them £100 a month for about 26 months on a £2600 loan!!!!

Basically I was being hounded by their debt recovery agency The Lewis Group (not sold debt, just working on behalf) for ages and it was going up and up, I had moved and stuff too so they were having problems getting hold of me. I eventually came into some cash from the CICA (Criminal Injury Compensation Authority) after some idiot hit me over the head with a bottle of wine and I required 30 staples to put it back together... but that's another story :rolleyes:

I called them and basically said you can chase me for ever but I will not have any cash to offer a settlement again for some time so they best just accept the £1200 and be happy with it.... also, a condition of this was to have any reference to Welcome Finefarce deleted from my credit files completely and that I wanted that in writing.... put me on hold for 5 mins while they called Welcome and came back and agreed.

Result!

That was one of 5 defaults, a CCJ and a load of late payment marks I managed to completely remove from my credit files in 2007/2008... it can be done!