Sub Prime Credit Thread Part II

sutton111

TheEffect wrote: »

HSBC keep taking £3 out of my account for text message banking and everytime I ask it to be canceled and fee refunded, they agree, but next month it's the same.

Remember a few weeks ago I sent an email to Equifax regarding duplicate searches on my credit file, well they've put a Notice Of Correction on my file which reads the following...


NOTICE OF DISPUTE - THE INDIVIDUAL CONCERNED HAS DISPUTED THE ACCURACY OF THE INFORMATION REGISTERED AT THIS ADDRESS AND WE HAVE NOW CONTACTED THE SUBSCRIBER CONCERNED. CARE SHOULD THEREFORE BE TAKEN WHEN USING THE DATA AT THIS ADDRESS TO ASSESS THE CREDITWORTHINESS OF THE INDIVIDUAL CONCERNED.

Registered By: Mr XXXX
Date of Birth: XXXX
Date Registered:20/04/2009

Not sure whether this is saying 'Watch out, it might not be him applying for the credit, and do not give any credit while at this address, or whether it's saying don't take the multiple searches into consideration when I have asked for credit....

The NOC are more trouble than they're worth IMO. Everything gets referred.

sutton111

Innocent_Guy wrote: »

Are you applying for Cap 1 Sutton?

Not at the moment. I'm waiting for Equifax to update the Electoral Roll.

TheEffect

Can NOC be removed?

sutton111

TheEffect wrote: »

Can NOC be removed?

Yes. Just ask them to remove it.

victor-meldrew_4

Phil3822 wrote: »

Yeah, got declined straight away by them. Suprised a bit as have a Visa Debit card with Halifax I've had for ages with an overdraft. Guess they don't communicate between them. Not to worry.

they do communicate,i think they can just be strange.
a halifax current account does generate a postal pre approval for aqua.
well it did late in 07 for my sister and o/h.
crazy you got a decline

victor-meldrew_4

sutton111 wrote: »

Not at the moment. I'm waiting for Equifax to update the Electoral Roll.

sutton let me know if you can when your e/roll updates.
ive sent my e/roll inclusion letters to cra's.
on from 1st may.get on quickly i hope
thanks

sutton111

victor-meldrew wrote: »

sutton let me know if you can when your e/roll updates.
ive sent my e/roll inclusion letters to cra's.
on from 1st may.get on quickly i hope
thanks

Well, I sent Experian and Equifax an e-mail last Tuesday 21st and I attached the letter which I received from the council and the next day Experian had added me I'm still waiting for Equifax. :mad:

TheEffect

I just emailed asking for the NOC to be removed.

Innocent_Guy

victor-meldrew wrote: »

they do communicate,i think they can just be strange.
a halifax current account does generate a postal pre approval for aqua.
well it did late in 07 for my sister and o/h.
crazy you got a decline

WOW that interesting, didn't not the above. Halifax is sounding like the most lenient bank. They sound more and more appetising

victor-meldrew_4

sutton111 wrote: »

Well, I sent Experian and Equifax an e-mail last Tuesday 21st and I attached the letter which I received from the council and the next day Experian had added me I'm still waiting for Equifax. :mad:

ah ok.im glad you said that .i sent mine thurday and nothing yet.
ill give them to may 1st and chase up.thanks alot