Vanquis Increases / Statements

Innocent_Guy

This is what my friend recieved. He thought it was a pre approval but it is obviously an invitation to apply
FYI anyway

never-in-doubt

Innocent_Guy wrote: »

This is what my friend recieved. He thought it was a pre approval but it is obviously an invitation to apply
FYI anyway

Mate

I like the card - maybe that is the new look of them, with a logo too......

Also, that to me is a pre guarantee - their marketing dept but 'good risk customers' and they get pre-approved so if your mate got no nasties i'd say its guaranteed but do the postal one and deliberately send a bank statement or credit card statement and then they will accepy him.......

Dont do it online unless he got perfect credit cos my mate got a skycard version and applied via short form and within a week had the card and £8k limit - he has one default (3 years old) and a basic bank account......

beat THAT!

I was amazed but he shoed me on his credit file and he aint bull shattin me either - still amazed!

Innocent_Guy

never-in-doubt wrote: »

Mate

I like the card - maybe that is the new look of them, with a logo too......

Also, that to me is a pre guarantee - their marketing dept but 'good risk customers' and they get pre-approved so if your mate got no nasties i'd say its guaranteed but do the postal one and deliberately send a bank statement or credit card statement and then they will accepy him.......

Dont do it online unless he got perfect credit cos my mate got a skycard version and applied via short form and within a week had the card and £8k limit - he has one default (3 years old) and a basic bank account......

beat THAT!

I was amazed but he shoed me on his credit file and he aint bull shattin me either - still amazed!

He has no naughties, He will get accepted, Cap 1 accepted him and I am sure there criteria is tighter.

I like the new card, might damage my one

kilasuit

This card has literally just saved me from having a CCJ on my file.

F***in Severn Trent water and bills from my old flat. Arrg

not having 1 of those haunting me for the next 6 years.

Innocent_Guy

kilasuit wrote: »

This card has literally just saved me from having a CCJ on my file.

F***in Severn Trent water and bills from my old flat. Arrg

not having 1 of those haunting me for the next 6 years.

congrats!!!

kilasuit

never-in-doubt wrote: »

Mate

I like the card - maybe that is the new look of them, with a logo too......

not like my bland normal looking one that i got last week thou a card is a crad and tbh its just gotme out of now 2 CCJs so i'm not going to complain

never-in-doubt

kilasuit wrote: »

not like my bland normal looking one that i got last week thou a card is a crad and tbh its just gotme out of now 2 CCJs so i'm not going to complain

How can having a card help you out of 2 ccj's mate? There is a process to follow and also, general utilities cannot add a ccj as you never had a contract for credit in the first place..... they may threaten it but I guarantee i'd get it removed within the hour!

Do you mean that the card allowed you to pay the debt?

victor-meldrew_4

never-in-doubt wrote: »

How can having a card help you out of 2 ccj's mate? There is a process to follow and also, general utilities cannot add a ccj as you never had a contract for credit in the first place..... they may threaten it but I guarantee i'd get it removed within the hour!

Do you mean that the card allowed you to pay the debt?

it is possible for a ccj on water.o/h was in social housing,i think the water was part of the tennacy agreement,maybe not,but she did get a ccj ,defo.

victor-meldrew_4

just dug o/h details out.
she was issued the orange card with blue balls in jan 07,250 limit,tier3.
she had apllied 3 times between nov 06 and jan 07.?
she was being declined but at same time accepted for sky/argos store card/barcaycard initial,all barclays with good limits????
in june 08 her limit was 1500 and constantly near the limit.never large payments off acount either.
between jan o9 to march 09 she had 2 small overlimits
end of march they put her limit to 2250?no gold card though.
all strange but true

never-in-doubt

victor-meldrew wrote: »

it is possible for a ccj on water.o/h was in social housing,i think the water was part of the tennacy agreement,maybe not,but she did get a ccj ,defo.

Yea but social housing can't add a CCJ for anything other than debt owing on rent or council tax. You're missing my point, severn trent cannot isue a ccj (well they can) but it'd be bonkers cos it would cost more to enforce than most debts (assuming under £500).... do you follow me? Most would write it off.

Yea ok if they did put a ccj on your file, it would have to show under court info - not credit agreements as it is utilities.

as it would register under court data, you could have this section hidden from lenders with NOC and counterclaim for damages from the utilities.

make sense?