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Sub Prime Credit Thread Part II

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Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    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:

    loan1a.jpg
    LOL - Been accpeted in princiable tho!
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    LOL - Been accpeted in princiable tho!

    yea mate but that means nothing really...... hmmm, should I ring em?

    Are you applying then? Surely if I get an AiP you'd get one.... LOL, go on - chicken :easter: <
    that's supposed to be a chick LOL
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    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
    SO I should wait for my SDG to report green zero's
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    yea mate but that means nothing really...... hmmm, should I ring em?

    Are you applying then? Surely if I get an AiP you'd get one.... LOL, go on - chicken :easter: <
    that's supposed to be a chick LOL
    Ring em!

    You are a homeowner remember........ You do not fail on credit scoring you fail on credit file.

    I fail on credit scoring but not data
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    Ring em!

    You are a homeowner remember........ You do not fail on credit scoring you fail on credit file.

    I fail on credit scoring but not data

    who told you that mate? everyone is subject to credit scoring..... what if they ask me like 10,001 questions if I ring LOL?
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Ok i'll ring and see what the muppets say LOL - brb
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    who told you that mate? everyone is subject to credit scoring..... what if they ask me like 10,001 questions if I ring LOL?
    Just say can I have a descion...... If they ask too much just say forget it LOL
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    Ok i'll ring and see what the muppets say LOL - brb
    How much did you apply for? Wouldn't it be funny of you got accepted
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Innocent_Guy wrote: »
    How much did you apply for? Wouldn't it be funny of you got accepted

    5 grand 24mths..... LOL

    £250 per month at 15.9%
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    changed my mind, can't be bothered ringing - I really dont want the loan in reality.... If I ignore it they will ring me, surely? or write to me or summat?
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
This discussion has been closed.
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