Sub Prime Credit Thread Part II

Innocent_Guy

never-in-doubt wrote: »

changed my mind, can't be bothered ringing - I really dont want the loan in reality....

\Ok, just thought it would have been good to hear what they said / offered

never-in-doubt

Innocent_Guy wrote: »

\Ok, just thought it would have been good to hear what they said / offered

yea but wifey just turned up early from shopping (reality check time haha) so can't really blag that one i'm afraid - ooops....

you ring pretend to be me hahaha

Innocent_Guy

never-in-doubt wrote: »

yea but wifey just turned up early from shopping (reality check time haha) so can't really blag that one i'm afraid - ooops....

you ring pretend to be me hahaha

no its k mate

victor-meldrew_4

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:

sorry
be warned you probably got it.
o/h got hers 1 week after vanquis declined her.some other declines too but ill have to chek what they are,dont want to lie.
nid i love the flexi sabatical,bit like hsbc flexi loan.haha:rotfl:

Innocent_Guy

victor-meldrew wrote: »

sorry
be warned you probably got it.
o/h got hers 1 week after vanquis declined her.some other declines too but ill have to chek what they are,dont want to lie.
nid i love the flexi sabatical,bit like hsbc flexi loan.haha:rotfl:

Haha flexi-sabatical

never-in-doubt

victor-meldrew wrote: »

sorry
be warned you probably got it.
o/h got hers 1 week after vanquis declined her.some other declines too but ill have to chek what they are,dont want to lie.
nid i love the flexi sabatical,bit like hsbc flexi loan.haha:rotfl:

Do you think that screen means yes then? why - was it same as your mrs mate? How much did she get, was it small loan like this (£5k)?

If I don't ring them then they won't be able to offer it me will they? Or do they write out if I don't ring them, or will they forget me if I don't contact them.... hmmm, unsure what to do LOL

so did the wifey have to ring and if so, what did they ask her? cheers mate

victor-meldrew_4

never-in-doubt wrote: »

Do you think that screen means yes then? why - was it same as your mrs mate? How much did she get, was it small loan like this (£5k)?

If I don't ring them then they won't be able to offer it me will they? Or do they write out if I don't ring them, or will they forget me if I don't contact them.... hmmm, unsure what to do LOL

so did the wifey have to ring and if so, what did they ask her? cheers mate

i done her application for her.looking back and with things ive learnt on here,its my opinion that you dont get the loan untill they speak to you.
her screen was the same,she phoned,couple of questions already answered,instant approval.
however she got the hard sell after on ppi and paying for the cheque to be overnighted.
basicly her approval was instant but they werent letting a sale op pass them by.she took the courier and declined ppi
job done

never-in-doubt

victor-meldrew wrote: »

i done her application for her.looking back and with things ive learnt on here,its my opinion that you dont get the loan untill they speak to you.
her screen was the same,she phoned,couple of questions already answered,instant approval.
however she got the hard sell after on ppi and paying for the cheque to be overnighted.
basicly her approval was instant but they werent letting a sale op pass them by.she took the courier and declined ppi
job done

did you go for more than the £5k or less mate? Weird though that they wont give me card/bank account but they will give a loan...? They are shut now anyway :rotfl:

victor-meldrew_4

never-in-doubt wrote: »

Do you think that screen means yes then? why - was it same as your mrs mate? How much did she get, was it small loan like this (£5k)?

If I don't ring them then they won't be able to offer it me will they? Or do they write out if I don't ring them, or will they forget me if I don't contact them.... hmmm, unsure what to do LOL

so did the wifey have to ring and if so, what did they ask her? cheers mate

sorry they only asked basic security questions.her offer was upto 7k.she took 3.5k cant remember apr ill check,its uder 19% though.
its possible if you bank with them or credit card they only compare application with your account or previous app.reason i say that is credit card with them,me,apply for mainstream card,same details,next day loan offer.only a guess though

never-in-doubt

victor-meldrew wrote: »

sorry they only asked basic security questions.her offer was upto 7k.she took 3.5k cant remember apr ill check,its uder 19% though.
its possible if you bank with them or credit card they only compare application with your account or previous app.reason i say that is credit card with them,me,apply for mainstream card,same details,next day loan offer.only a guess though

Ahhh, I had no offers I just applied and got that screen, so you think they will just ask me some security stuff then? I may ring tomorrow and see what they say then lol