V A N Q U I S

1984ReturnsForReal_2

39.9

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APR

never-in-doubt

Innocent_Guy wrote: »

I'm sure i read it was 59.9%

Thats a joke..

what?

Joke is an understatement. Dont apply for anything til you get your credit reports!

I'll PM you in morning with names and addresses and a template to send for a SAR on each of the companies. there are 6 in total so its £28 (2 x £10 and 4 x £2)

You send a cheque in with SAR request..... it;s gotta be interesting but from your apr i'd think someone has added hidden cifas warnings so deffo sar cifas.

never-in-doubt

To SAR Cifas direct: http://www.cifas.org.uk/default.asp?edit_id=692-59

never-in-doubt

Previous post: #45

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Fraud Prevention Agencies who also provide credit referencing services

CIFAS Members use one or more of the following fraud prevention agencies

Experian Ltd: Consumer Help Service, PO Box 9000, Nottingham NG80 7WP.
Tel: 0844 481 8000 www.experian.co.uk

Equifax plc: Credit File Advice Centre, PO Box 1140, Bradford BD1 5US.
Tel: 0870 010 0583 www.equifax.co.uk

Callcredit Ltd: Consumer Services Team, PO Box 491, Leeds LS3 1WZ.
Tel: 0870 060 1414 www.callcredit.co.uk

Fraud Prevention Agencies who do not provide credit referencing services

Experian Limited - Experian Decision Analytics: Seabank House, Wight Moss Way, Southport PR8 4HQ.
Tel: 0844 481 8000 www.experian-da.com

Synectics Solutions Ltd: Customer Helpdesk, Synectics House, The Brampton, Newcastle-under-Lyme ST5 0QY.
Tel: 01782 664 000 www.synectics-solutions.com

Taken from here

Not to forget the dreaded N Hunter (also SAR'd them)....

c8ndice

never-in-doubt wrote: »

seems weird that someone with a Vanquis has the same limit as my non sub-prime card! I'd hate to owe £2k on Vanquis though - must cost loads on interest each month? Anyone got any experience of high interest for a maxed out card...?

My highest debt with Vanquis was just under the 1250 mark. Most of it was from online gambling so the interest rate on it was about 47%. If I remember correctly I was paying over £40 a month.

Thankfully last year I won a jackpot and wiped the card. Never again! :eek:

Innocent_Guy

never-in-doubt wrote: »

what?

Joke is an understatement. Dont apply for anything til you get your credit reports!

I'll PM you in morning with names and addresses and a template to send for a SAR on each of the companies. there are 6 in total so its £28 (2 x £10 and 4 x £2)

You send a cheque in with SAR request..... it;s gotta be interesting but from your apr i'd think someone has added hidden cifas warnings so deffo sar cifas.

Thanks,

My experian and equifax are fine! They show no cifas or adverse. They did but I had it successfully removed. :mad: :mad:

noah271007

Hackneygirl wrote: »

hi Noah

a few years ago when the housing market was good, a friend of mine who is a property developer would take out CCs for sums of £10+ - he would pay them back when the property was rented out or sold on at a higher price
people like him relied on credit cards to get them through projects that go over their initial estimate

Hi hackeygirl, thanks for ur post. Interesting.

By the sound of it, your friend is a BTL type?

How is your friend doing now? is he still successful despite housing market slowdown?

never-in-doubt

Innocent_Guy wrote: »

Thanks,

My experian and equifax are fine! They show no cifas or adverse. They did but I had it successfully removed. :mad: :mad:

Yes but there are hidden cifas markers that do not appear on your credit report thus I say SAR cifas direct! Read the posts from earlier using #45 That will help you understand who holds what info about you. Its not as plain sailing as just the credit report.

something isn't right to get that apr - trust me. Its extremely high (the highest tier i think)

Innocent_Guy

never-in-doubt wrote: »

Yes but there are hidden cifas markers that do not appear on your credit report thus I say SAR cifas direct! Read the posts from earlier using #45 That will help you understand who holds what info about you. Its not as plain sailing as just the credit report.

something isn't right to get that apr - trust me. Its extremely high (the highest tier i think)

I do agree with you. I am assuming all of this incorrect adverse data is showing on these other systems

sutton111

Innocent, who was your CIFAS with?