Sub Prime Credit Thread Part III

sutton111

never-in-doubt wrote: »

I think you mean 'I HAD that removed last month' hahahaha sorry mate - had to do it!

If they decline you, go into branch with the letter and copies of existing statments and appeal with the personal advisor they may be able to push it through if they have enough to believe you're a decent young man! Well not so young, 27 - ya old sod!

I really want a new bank account now . Funny enough my Yorkshire bank also referred, I still got in though. . At least I'm on the Electoral Roll now.

I rang 'Shabbey' and they still said "no" to the Visa debit. It's all a little frustrating now.

never-in-doubt

sutton111 wrote: »

How do you know First Direct declined you is it a hutch or do you now know?

This score thing is just boll*cks, IMO. I wouldn't lie on an application it isn't worth the hassle. :cool:

They told me on phone today matey - and HSBC told me they'd let me know Tuesday - so thats a decline too even with a great behaviour score. oh well, never mind!

sutton111

never-in-doubt wrote: »

They told me on phone today matey - and HSBC told me they'd let me know Tuesday - so thats a decline too even with a great behaviour score. oh well, never mind!

National Hunter problem do you think?

never-in-doubt

sutton111 wrote: »

I really want a new bank account now . Funny enough my Yorkshire bank also referred, I still got in though. . At least I'm on the Electoral Roll now.

I rang 'Shabbey' and they still said "no" to the Visa debit. It's all a little frustrating now.

Right mate, friendly advice for you. Go into HSBC and speak to an advisor, explain everything and that you're a f/t carer which shows immense responsibility and ask them to override decision.

They will consider it mate, its worth a go. If they say no then you have to stop asking abbey and wait for 6 months then apply once to hsbc IN BRANCH and they will give you an account.

never-in-doubt

sutton111 wrote: »

National Hunter problem do you think?

No mate. Nowt to do with them......

sutton111

never-in-doubt wrote: »

Right mate, friendly advice for you. Go into HSBC and speak to an advisor, explain everything and that you're a f/t carer which shows immense responsibility and ask them to override decision.

They will consider it mate, its worth a go. If they say no then you have to stop asking abbey and wait for 6 months then apply once to hsbc IN BRANCH and they will give you an account.

It's not just friendly advice, it's good advice.

I'll ring them again tomorrow and ask HSBC.

Klingon_53

never-in-doubt wrote: »

I know what this is all about.....

Right lets assume you applied online on say Monday, you got offered a limit of £125 right?

Then you logged out and either visited again later that day or anytime after Monday and noticed your limit then showed as £100?

This is normal and happens after they review the credit data supplied by experian. So for instance they feel that £100 is enough for you. That won't change now - it will only increase. When I first applied I got the £125 limit, logged out and back in again and then it was gone - a £0 limit (i.e. account declined). So for it to go to £100 means that you deffo have been accepted.

Hope this helps.....

thanks for your help

sutton111

never-in-doubt wrote: »

No mate. Nowt to do with them......

So what's the reason then?

never-in-doubt

sutton111 wrote: »

So what's the reason then?

with who? 1st was failed credit score. hsbc who knows, could be cifas entries mate.... i'm hoping my b/s will get me through cos it is high (so the branch told me)

sutton111

never-in-doubt wrote: »

with who? 1st was failed credit score. hsbc who knows, could be cifas entries mate.... i'm hoping my b/s will get me through cos it is high (so the branch told me)

What do you think my chances are with HSBC then?