Sub Prime Credit Thread Part III

never-in-doubt

Merlinexcalibur wrote: »

Told you you were heading for a downfall. Oh, more to come. What goes around, comes around. You ought to know that by now.

care to elaborate?

seeya23

i got aqua card with 2 defaults

never-in-doubt

seeya23 wrote: »

i got aqua card with 2 defaults

I can't get one either but can't be bothered to appeal, I don't really need it just wanted to see if i'd get accepted..

TheEffect

My DirectDebit bounced for eBay fees as it tried taking it from my HSBC Account instead of my new Lloyds TSB account. I manually canceled all the direct debits on HSBC.

I just checked my eBay fees and they charged me £5 for a bounced direct debit. I'm one of their ebay star members (which basically means i can call them on an invitation only number if i want anything), I phoned them and got through to india.... the guy said yes the charge is for a bounced direct debit. I asked if it could be refunded as I was switching banks and got confused which direct debits where coming out of which bank. He said he cannot refund it, but he'll give me a £20 voucher to use when I buy something next from eBay.... I was like... ok! He said it'll be posted to my eBay account within 7 days.

Not entirely sure how that works, but I'll wait and see what happens. Going to pay off all my eBay fees (£10) with my capone card now.

Innocent_Guy

Good Afternoon,

TheEffect

Good afternoon. Innocent, how long was you a customer with HSBC before applying for OD?

never-in-doubt

They can give you one after 6mth of having account with them.... same rules as 1st Direct, no reapplying in 6mth period.

I got HSBC Plus in Dec and o/d added in Feb as they forgot to add it lol

TheEffect

never-in-doubt wrote: »

They can give you one after 6mth of having account with them.... same rules as 1st Direct, no reapplying in 6mth period.

I got HSBC Plus in Dec and o/d added in Feb as they forgot to add it lol

I had Plus for 2 months, then changed back to C/A Advance because couldn't justify the £13 fee for something I didn't use.

Still got C/A Advance, but switched to C/A Silver with Lloyds. £4 a month for first two months then £8 afterwards, plus I get phone insurance which is what I mainly wanted.

Lloyds wont give me an overdraft for 3 months.

never-in-doubt

victor-meldrew wrote: »

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]

Seems you weren't alone mate - see here: #9

Innocent_Guy

TheEffect wrote: »

Good afternoon. Innocent, how long was you a customer with HSBC before applying for OD?

H imate had account for a few months I think? As them to do an account review they will then tell you whether they can offer a loan, credit card or O/D they will search you for this but worth it