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Sub Prime Credit Thread Part II

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Comments

  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Brian1966 wrote: »
    Still considering Next, also looking at Argos, turned me down last September but can reapply after 3 months apparently.
    APR is highish so may be in with a chance?


    What's on your credit file which is detrimental Brian?
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    seeya23 wrote: »
    when i phone them the other day the lady on said all new mortgage s the rate over 9% to 12%
    take a look here
    http://mortgage.gemoney.co.uk/en/mortgages/index.html


    Your with GE Money are you. :eek: :eek:

    They repossessed our house.:mad: :mad: :mad: :mad:
  • Brian1966
    Brian1966 Posts: 1,428 Forumite
    sutton111 wrote: »
    What's on your credit file which is detrimental Brian?
    3 defaults, one from 2004, 2 from 2005.
    Recent history is excellent
    Natwest gold..Limit £1750 bal £970..Vanquis Limit £3000 bal £0..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £4900 bal £1356..Empire Limit £6200 bal £152..Jd williams..Limit £1100 bal £130..Simplybe..Limit £1500 bal 265,,Fashion world..Limit £1400 bal £145 Jacamo..Limit£125 bal 0
    Next..Limit £?? bal £0 Asda..limit £1250 bal £440,
  • seeya23
    seeya23 Posts: 2,330 Forumite
    sutton111 wrote: »
    Your with GE Money are you. :eek: :eek:

    They repossessed our house.:mad: :mad: :mad: :mad:

    sorry 2 hear that it must of been a bad time for you
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    seeya23 wrote: »
    sorry hear that it must of been a bad time for you


    It was horrible to be fair. :(

    The worst Year of my life. :(

    April 10th 2006 at 12 noon. Remember like it was yesterday, unfortunately! :(
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Brian1966 wrote: »
    3 defaults, one from 2004, 2 from 2005.
    Recent history is excellent


    So yours is improving then. I've just satisfied one of mine one to go, but they are quite recent Feb 07, and Dec 06.

    I hope satisfying will help me in my Quest to get a credit card!!
  • seeya23
    seeya23 Posts: 2,330 Forumite
    do you still owe them any money they have 12 years to any money back
  • Brian1966
    Brian1966 Posts: 1,428 Forumite
    sutton111 wrote: »
    It was horrible to be fair. :(

    The worst Year of my life. :(

    April 10th 2006 at 12 noon. Remember like it was yesterday, unfortunately! :(
    Really sorry to hear that.
    Banks and mortgage lenders have in many cases been too quick to repo without being fuuly aware of each individuals circumstances
    Natwest gold..Limit £1750 bal £970..Vanquis Limit £3000 bal £0..Littlewoods..Limit £1200 bal 0..Additions direct..Limit £4900 bal £1356..Empire Limit £6200 bal £152..Jd williams..Limit £1100 bal £130..Simplybe..Limit £1500 bal 265,,Fashion world..Limit £1400 bal £145 Jacamo..Limit£125 bal 0
    Next..Limit £?? bal £0 Asda..limit £1250 bal £440,
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    So, where is the rest of the crew tonight? :confused:
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    seeya23 wrote: »
    do you still owe them any money they have 12 years to any money back

    No we don't, it got paid off when it got sold. We had been living there for 17 years as well, i grew up in the house which makes it tough, even now. :(
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