Sub Prime Credit Thread Part III

never-in-doubt

Brian1966 wrote: »

Welcome aboard Bo..
We are all a friendly bunch, very friendly in fact and you can ask almost anything.
We don't bite :beer:
Well I nibble a little if I'm asked to :rotfl::rotfl:

Bo is a woman - Brian is a woman eater so there is trouble! oh, oh! :eek:

Brian1966

never-in-doubt wrote: »

For those that do not know marisota is a JD Williams branded account. They are reknowned for giving accounts out, likewise for increasing limits.

You can use this account on any of the JD microsites. http://www.marisota.co.uk/shop/?

Brian - this is not suitable for you lol

Why ever not
I might just fancy a figure hugging bra or some skimpy underwear :rotfl:

Innocent_Guy

Im having dinner BRB

christhesparky_2

evening,

just a quick query regarding my vanquis card,

i was accepted an tier c, but on the paperwork that came with my card it has apr as 34% is this right?

TheEffect

Guys help!.....

I just renewed my Experian to see if Halifax had searched me. I did the 'Credit Card' and 'Loan' compare thing that experian does to show you what cards or loans might be suitable.

After doing the search out of curiosity to see what loans I'd be offered, there was one, which I just clicked 'More Details' then closed the window. (It was like 59% APR).

Anyway, I just got an email from Experian saying

''An expert loans broker will be in touch shortly to continue your application.''

And then another one from Quick Decision Loans saying

''Dear Mr XXXXXX

Thank you for your recent application. This email is simply a confirmation of your application and you do not need to take any further action at this point. One of our trained advisors will call you shortly to discuss your application and find the best product for your needs.

QDL specialises in arranging loans for any purpose and regardless of credit history. Whether you are a homeowner or tenant and you have had difficulty obtaining a loan Quick Decision Loans can help you find a loan to suit your circumstances.

Lending decisions will be based upon the data you provide and your credit profile - do you know your credit score? You can view your credit report for free at CreditExpert.com.

In addition to unlimited access to your report, Credit Expert also offers free alerts, informing you of any change to your credit report and enabling you to:

Keep up to date with all changes to your credit profile
Review the information lenders submit about you
Prevent identity fraud''

Have I accidentally applied for a loan?

seeya23

good evening to all

cifpower

christhesparky wrote: »

evening,

just a quick query regarding my vanquis card,

i was accepted an tier c, but on the paperwork that came with my card it has apr as 34% is this right?

That's the same APR as me

cifpower

TheEffect wrote: »

Guys help!.....

I just renewed my Experian to see if Halifax had searched me. I did the 'Credit Card' and 'Loan' compare thing that experian does to show you what cards or loans might be suitable.

After doing the search out of curiosity to see what loans I'd be offered, there was one, which I just clicked 'More Details' then closed the window. (It was like 59% APR).

Anyway, I just got an email from Experian saying

''An expert loans broker will be in touch shortly to continue your application.''

And then another one from Quick Decision Loans saying

''Dear Mr XXXXXX

Thank you for your recent application. This email is simply a confirmation of your application and you do not need to take any further action at this point. One of our trained advisors will call you shortly to discuss your application and find the best product for your needs.

QDL specialises in arranging loans for any purpose and regardless of credit history. Whether you are a homeowner or tenant and you have had difficulty obtaining a loan Quick Decision Loans can help you find a loan to suit your circumstances.

Lending decisions will be based upon the data you provide and your credit profile - do you know your credit score? You can view your credit report for free at CreditExpert.com.

In addition to unlimited access to your report, Credit Expert also offers free alerts, informing you of any change to your credit report and enabling you to:

Keep up to date with all changes to your credit profile
Review the information lenders submit about you
Prevent identity fraud''

Have I accidentally applied for a loan?

No you haven't but expect a lot of phone calls and letters from loan brokers asking you to apply for one.

TheEffect

cifpower wrote: »

No you haven't but expect a lot of phone calls and letters from loan brokers asking you to apply for one.

I gave my wrong house number. :rotfl:
Just letters then.

bigbum_2

Brian1966 wrote: »

Why ever not
I might just fancy a figure hugging bra or some skimpy underwear :rotfl:

Ooooh, Matron!!!