Sub Prime Credit Thread Part III

davethorp

never-in-doubt wrote: »

so you've just done £320 in like a day? hahahahahah - bet you wish it didn't come until today now and you'd be £320 better off haha

2 days actually :p:p:p

victor-meldrew_4

davethorp wrote: »

2 days actually :p:p:p

2 days much better than one lol.

victor-meldrew_4

just checked my eq.
from 24th may i have 5 searches for the last 6 months and the year.
getting there:j

victor-meldrew_4

Apply today - £12,[FONT=Arial, Helvetica]500 is reserved and waiting for you![/FONT]

[FONT=Arial, Helvetica]As an existing Halifax customer a personal loan of £12,500 has been reserved for you and the money is ready and waiting right now, provided your circumstances haven't changed recently*. [/FONT]

[FONT=Arial, Helvetica]If you wish, you can apply for more or less than we have reserved for you, however different rates may apply.[/FONT]

[FONT=Arial, Helvetica]So whatever you're planning, now is a good time to take out a Halifax Personal Loan.[/FONT]

[FONT=Arial, Helvetica]Take a look at some of the benefits of a Halifax Personal Loan:[/FONT]

• [FONT=Arial, Helvetica]Affordable monthly repayments - fixed for the life of the loan[/FONT]
• [FONT=Arial, Helvetica]Funds transferred direct to your bank account[/FONT]
• [FONT=Arial, Helvetica]Quick, easy and secure application process[/FONT]
• [FONT=Arial, Helvetica]No loan repayments for the first 3 months - although interest is charged from the start of your loan[/FONT]
• [FONT=Arial, Helvetica][FONT=Arial, Helvetica][FONT=Arial, Helvetica]9.8% APR[/FONT][/FONT][/FONT] [FONT=Arial, Helvetica]typical[/FONT]
• [FONT=Arial, Helvetica]Rates range from 9.8% APR to 11.8% APR [/FONT]
• [FONT=Arial, Helvetica]Optional courier service - for £70 you can choose to receive your loan documents within 24 hours**. Alternatively you can choose to receive your loan documents through the post. [/FONT]

[FONT=Arial, Helvetica]So what are you waiting for, apply today and get the money you need to put your plans into action.[/FONT]

For key information on our Halifax Personal Loan

Apply today - £12,[FONT=Arial, Helvetica]500 is reserved and waiting for you![/FONT]

[FONT=Arial, Helvetica]As an existing Halifax customer a personal loan of £12,500 has been reserved for you and the money is ready and waiting right now, provided your circumstances haven't changed recently*. [/FONT]

[FONT=Arial, Helvetica]If you wish, you can apply for more or less than we have reserved for you, however different rates may apply.[/FONT]

[FONT=Arial, Helvetica]So whatever you're planning, now is a good time to take out a Halifax Personal Loan.[/FONT]

[FONT=Arial, Helvetica]Take a look at some of the benefits of a Halifax Personal Loan:[/FONT]

• [FONT=Arial, Helvetica]Affordable monthly repayments - fixed for the life of the loan[/FONT]
• [FONT=Arial, Helvetica]Funds transferred direct to your bank account[/FONT]
• [FONT=Arial, Helvetica]Quick, easy and secure application process[/FONT]
• [FONT=Arial, Helvetica]No loan repayments for the first 3 months - although interest is charged from the start of your loan[/FONT]
• [FONT=Arial, Helvetica][FONT=Arial, Helvetica][FONT=Arial, Helvetica]9.8% APR[/FONT][/FONT][/FONT] [FONT=Arial, Helvetica]typical[/FONT]
• [FONT=Arial, Helvetica]Rates range from 9.8% APR to 11.8% APR [/FONT]
• [FONT=Arial, Helvetica]Optional courier service - for £70 you can choose to receive your loan documents within 24 hours**. Alternatively you can choose to receive your loan documents through the post. [/FONT]

[FONT=Arial, Helvetica]So what are you waiting for, apply today and get the money you need to put your plans into action.[/FONT]

For key information on our Halifax Personal Loan - click here

victor-meldrew_4

its gone down 500.thats interesting.
does it mean absolute pre approval becuase they have been getting update info.
does that mean my recent searches dont matter becuase the only affect is 500 less.
im on e/r now with experian but havent had a clear month of apps.
does that matter ,the wait is getting harder.

victor-meldrew_4

victor-meldrew wrote: »

its gone down 500.thats interesting.
does it mean absolute pre approval becuase they have been getting update info.
does that mean my recent searches dont matter becuase the only affect is 500 less.
im on e/r now with experian but havent had a clear month of apps.
does that matter ,the wait is getting harder.

providing circumstance havent changed recently.from when,today when this went up,no they havent???????

sscott5581

My defaults fell of my file last week and I decided to apply for a Bank of Scotland Cashback card, I was declined so decided to appeal.

Today I received the credit agreement to sign and a letter apologizing for declining me in the first place.

I am now at two minds whether I should close Cap 1 and Vanquis. Have had these accounts for over a year and have a nice row of green zeros, any thoughts?

Steven

duggie1982

never-in-doubt wrote: »

yea but it will help your credit score so weigh up the odds;

the cost of having those green [O]'s for £XXX interest or no interest and no green [O]'s?

lol, simple equation really matey :beer:

True. I will need to think about it dont like the 3 years comitment for a computer though.

victor-meldrew_4

duggie1982 wrote: »

True. I will need to think about it dont like the 3 years comitment for a computer though.

they do buy now pay later interest free.1 year to pay.i got declined for that but offered finance.best customer service ive expeirenced.

duggie1982

Will need to have a look for that because I prefer that to be honest