Sub Prime Credit Thread Part II

victor-meldrew_4

Apply today - £13,[FONT=Arial, Helvetica]000 is reserved and waiting for you![/FONT]

[FONT=Arial, Helvetica]As an existing Halifax customer a personal loan of £13,000 has been reserved for you and the money is ready and waiting right now, provided your circumstances haven't changed recently*. [/FONT]

[FONT=Arial, Helvetica]If you wish, you can apply for more or less than we have reserved for you, however different rates may apply.[/FONT]

[FONT=Arial, Helvetica]So whatever you're planning, now is a good time to take out a Halifax Personal Loan.[/FONT]

[FONT=Arial, Helvetica]Take a look at some of the benefits of a Halifax Personal Loan:[/FONT]

• [FONT=Arial, Helvetica]Affordable monthly repayments - fixed for the life of the loan[/FONT]
• [FONT=Arial, Helvetica]Funds transferred direct to your bank account[/FONT]
• [FONT=Arial, Helvetica]Quick, easy and secure application process[/FONT]
• [FONT=Arial, Helvetica]No loan repayments for the first 3 months - although interest is charged from the start of your loan[/FONT]
• [FONT=Arial, Helvetica][FONT=Arial, Helvetica][FONT=Arial, Helvetica]9.8% APR[/FONT][/FONT][/FONT] [FONT=Arial, Helvetica]typical[/FONT]
• [FONT=Arial, Helvetica]Rates range from 9.8% APR to 11.8% APR [/FONT]
• [FONT=Arial, Helvetica]Optional courier service - for £70 you can choose to receive your loan documents within 24 hours**. Alternatively you can choose to receive your loan documents through the post. [/FONT]

[FONT=Arial, Helvetica]So what are you waiting for, apply today and get the money you need to put your plans into action.[/FONT]

Important Information

*The amount [FONT=Arial, Helvetica]we [FONT=Arial, Helvetica]offer you will[/FONT] depend on a simple credit check we will make when you apply, for example the loan amount may be less if we know you have recently taken out more credit[FONT=Arial, Helvetica]. Loan[/FONT][/FONT]

[FONT=Arial, Helvetica]funds are transferred upon receipt of your signed loan documentation. [FONT=Arial, Helvetica]Loan funds can be transferred into a Halifax Current [FONT=Arial, Helvetica]Account[/FONT] [FONT=Arial, Helvetica]within 24 hours,[/FONT] [FONT=Arial, Helvetica]transfers[/FONT] to [FONT=Arial, Helvetica]other[/FONT] bank accounts can take up to three days to clear from date of transfer. [FONT=Arial, Helvetica]**[/FONT]If you choose the optional courier service to receive your loan documentation in 24 [FONT=Arial, Helvetica]hours, £70 will[/FONT] be payable one month before your first repayment. Delivery may take longer in outlying areas or for weekend applications [FONT=Arial, Helvetica]for the[/FONT] [FONT=Arial, Helvetica]24 hour courier service[/FONT]. [/FONT][FONT=Times New Roman, Times]Written quotations are available on request. [FONT=Arial, Helvetica]As security for your loan we have a right of set-off. [/FONT] [FONT=Arial, Helvetica]Halifax is a division of Bank of Scotland plc. Registered in Scotland No SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ.[/FONT][/FONT][/FONT]


[FONT=Arial, Helvetica]ive had a few searches since this.but only criteria i dont meet is ,mustnt have been declined in the last month.so wait 30 days????
[/FONT]

victor-meldrew_4

actual rate ends up at 19% apr

never-in-doubt

victor-meldrew wrote: »

actual rate ends up at 19% apr

Have you applied? try it and if they accept you, just cancel it if you dont need it..... it does mention a credit check but they may not even do one, halifax are slack aren't they?

do you have a full bank account or a basic account?

victor-meldrew_4

never-in-doubt wrote: »

Have you applied? try it and if they accept you, just cancel it if you dont need it..... it does mention a credit check but they may not even do one, halifax are slack aren't they?

do you have a full bank account or a basic account?

i will apply.
but i had 6 searches in the last 30 days.
term and cons say ,need a month without being declined.
so ill wait a month.
also have basic account.but abbey just opened me a full current account,wich will be a month old,if i wait.
they are bombarding with account offers etc.
you can sometimes see the difference with each type of offer.
all offers to o/h were good.her history is nationwide would give her nothing,within 6 months at halifax she got everything.
all my offers are recent.i only have a 8 month old bos sub prime cards with them.

victor-meldrew_4

victor-meldrew wrote: »

i will apply.
but i had 6 searches in the last 30 days.
term and cons say ,need a month without being declined.
so ill wait a month.
also have basic account.but abbey just opened me a full current account,wich will be a month old,if i wait.
they are bombarding with account offers etc.
you can sometimes see the difference with each type of offer.
all offers to o/h were good.her history is nationwide would give her nothing,within 6 months at halifax she got everything.
all my offers are recent.i only have a 8 month old bos sub prime cards with them.

one thing i forgot
this offer poped up the day after they declined me a mainstream card.
exactly the same as offer halfs loan offer,which she took out
also going to wait becuase im on r/roll from 1st may

never-in-doubt

victor-meldrew wrote: »

i will apply.
but i had 6 searches in the last 30 days.
term and cons say ,need a month without being declined.
so ill wait a month.
also have basic account.but abbey just opened me a full current account,wich will be a month old,if i wait.
they are bombarding with account offers etc.
you can sometimes see the difference with each type of offer.
all offers to o/h were good.her history is nationwide would give her nothing,within 6 months at halifax she got everything.
all my offers are recent.i only have a 8 month old bos sub prime cards with them.

Website shows this at apply screen:

To apply for a loan you must:

• Be over 18
• Be in paid employment
• Not be in full time education
• Have a bank/building society account
• Have a permanent UK address
• Not have been declined for credit in the last month
• Not have a history of bad credit such as arrears, county court judgements (CCJs), default or bankruptcy

You will also need handy:

• Your address details including post code for the past 3 years, including your partner's address details, if different, and if this is a joint application
• Your bank/building society details
• Your annual income and monthly outgoings such as rent/mortgage payments
• Your employer's name and address

Proving your identity

We need to verify the identity of all our customers. In the first instance we use a system of electronic identification and if this is successful, that’s all we need to do. The search is performed with a Credit Reference Agency, this is not a credit search and will only record the fact that we have done an ID check. If we are unable to verify your identity electronically, we will ask you to provide some original documents containing your name and address and you will be advised during the application process what information you will need to provide.

Apply online by clicking the 'Apply' button at the bottom of the page

Alternatively, please call us on 0845 600 4611* quoting reference HALINT Please note, if you apply by phone different rates will apply.
*Lines are open Monday-Friday 8am - 10pm, Saturday 9am - 6pm and Sunday 9:30am - 5:30pm.
Terms and Conditions

By ticking the box below and clicking the 'apply online' button at the bottom of the page, you confirm you have read and agree with the Terms and conditions and are happy to proceed with the application.
I have read and accept the HFX Terms and Conditions

Innocent_Guy

Hello,

Do you think I should wait for my SDG accounts to report to the CRA's before applying for Capital One

never-in-doubt

never-in-doubt wrote: »

Ermmm, N-i-D was bored yesterday and went a little mad:

- Co-Op Members Card - let me know in 7 days (so no then!)
- DiscountWorld Catalogue - £125 limit; then disappeared and still gone LOL
- Sony Card - let me know in 7 days (so no then!)

Right my sabattical starts today - I promise :think:

Blame Victor-Meldrew.... he made me do it LOL.... see below what happens when N-i-D went and applied for a halifax loan :rotfl:

never-in-doubt

Innocent_Guy wrote: »

Hello,

Do you think I should wait for my SDG accounts to report to the CRA's before applying for Capital One

Yes mate - I would! Go for halifax loan, I just did and got an agreement in principle (maybe a no LOL) but dont want it really so won't ring em like! Or maybe I should to see what they ask for.... hmmmm

never-in-doubt

Sabattical starts now - LOL