Sub Prime Credit Thread Part II

clio

Wonder who paypal bank with does anyone know??

I-G Thats what the lady said some dummy run's are a £1 some are £2-50

Innocent_Guy

clio wrote: »

Wonder who paypal bank with does anyone know??

I-G Thats what the lady said some dummy run's are a £1 some are £2-50

Oh ok.....

Quote from Wiki

On October 3, 2002, PayPal became a wholly owned subsidiary of eBay.[2] Its corporate headquarters are in San Jose, California, United States at eBay's North First Street satellite office campus. The company also has significant operations in Omaha, Nebraska; Scottsdale, Arizona; and Austin, Texas in the U.S.; India; Dublin, Ireland; and Berlin, Germany, and now also in Tel-Aviv, Israel after PayPal acquired an Israeli startup called FraudSciences for $169 million.[3] As of July 2007, across Europe, PayPal also operates as a Luxembourg-based bank.

Robsmith88

Hi,

I am looking to take out a mortgage in the next few days/weeks and am looking for a bit of advice as i have adverse credit.

The house price is £218,000 and I have an £88,000 deposit so will need a mortgage of £130,000.

At present i have a couple of £500 credit cards that are not at their limit, these get paid with more than minimum payment each month.. I have a couple of overdrafts, one at £2700 and another at £490 which also have regular payments to them. I have been renting for the past 10 months but before then I had a mortgage - I had my last house for 3 Years, the first 2 years I had a fixed rate mortgage which i did default on a few times, after the fixed period i changed to another provider where I had to use a sub-prime lender called Rooftop Mortgages. Last year i sold the house and repaid the mortgage in full along with their £7000 penalty for early redemption. Earlier this year I opened a current account with Abbey and was refused an overdraft...

I will be applying for a joint mortgage with my mother who has an excellent credit history - she is retirement age but can be joint on the mortgage with her pensionable income taken into account. we have more than enough wages to cover the £130,000 required on the mortgage.

(a) Do you think it is likely we will get a mortgage with the current lending situation bearing in mind we have a large deposit?

(b) Are there any more lenient lenders out there at the moment.

(c) I have a meetign at C&G booked for Wednesday - would it be more adviseable to talk to somone independent before C&G do searches on our credit history?

Hope you can help

Thanks in advance.

sutton111

clio wrote: »

Just spoke with Halifax and the £2.50 is a dummy transaction.

0-0, Martins is crap Clio!!

How many long balls did you lot play?

It's not basket ball you know!! :rotfl::rotfl:

sutton111

Robsmith88 wrote: »

Hi,

I am looking to take out a mortgage in the next few days/weeks and am looking for a bit of advice as i have adverse credit.

The house price is £218,000 and I have an £88,000 deposit so will need a mortgage of £130,000.

At present i have a couple of £500 credit cards that are not at their limit, these get paid with more than minimum payment each month.. I have a couple of overdrafts, one at £2700 and another at £490 which also have regular payments to them. I have been renting for the past 10 months but before then I had a mortgage - I had my last house for 3 Years, the first 2 years I had a fixed rate mortgage which i did default on a few times, after the fixed period i changed to another provider where I had to use a sub-prime lender called Rooftop Mortgages. Last year i sold the house and repaid the mortgage in full along with their £7000 penalty for early redemption. Earlier this year I opened a current account with Abbey and was refused an overdraft...

I will be applying for a joint mortgage with my mother who has an excellent credit history - she is retirement age but can be joint on the mortgage with her pensionable income taken into account. we have more than enough wages to cover the £130,000 required on the mortgage.

(a) Do you think it is likely we will get a mortgage with the current lending situation bearing in mind we have a large deposit?

(b) Are there any more lenient lenders out there at the moment.

(c) I have a meetign at C&G booked for Wednesday - would it be more adviseable to talk to somone independent before C&G do searches on our credit history?

Hope you can help

Thanks in advance.

TBH Rob, you would be better posting a new thread HERE and they will be able to help you more.

HTH you a little more.

Innocent_Guy

You on the ER yet!!! LOL

sutton111

Innocent_Guy wrote: »

You on the ER yet!!! LOL

:eek:

Bloody hell!! Are you stuck on repeat? :rolleyes::p

Still no e-mail from Equifax, I've checked my disputes and no feedback yet!

Innocent_Guy

sutton111 wrote: »

:eek:

Bloody hell!! Are you stuck on repeat? :rolleyes::p

Still no e-mail from Equifax, I've checked my disputes and no feedback yet!

LOL - Got your 3-in-1 yet ;);):D:D:eek::rotfl::rotfl::rotfl:

sutton111

Innocent_Guy wrote: »

LOL - Got your 3-in-1 yet ;);):D:D:eek::rotfl::rotfl::rotfl:

:mad::mad:

No I never!! Basta*ds!!:mad:

I'm giving them until June and if they still haven't given me one then they can p*ss off!!

I will break my application rule and apply for an account somewhere else.

Innocent_Guy

sutton111 wrote: »

:mad::mad:

No I never!! Basta*ds!!:mad:

I'm giving them until June and if they still haven't given me one then they can p*ss off!!

I will break my application rule and apply for an account somewhere else.

What is there excuse at the min??? Have you tried Halifax?