Sub Prime Credit Thread Part III

seeya23

yes it is i cant wait for next season

cifpower

I have always wondered what football supporters do all summer!

seeya23

good afternoon to all

TheEffect

I found this quite amusing. About 12-15 months ago, I had a RoyalMail account online which I deposited £10 into. It had £2.50 left in it and was never used. A few weeks ago, I got an email saying as my account hasn't been active for 12 months, they'll be refunding the remaining money back onto my card. I just ignored it as that was when I had an Under 19's account with Lloyds TSB, which was closed back in January. The card I used for the royal mail deposit had also been changed a few times so the card was very much dead.

Anyway, I opened a silver account with Lloyds TSB a weeks ago, and to my amazement, I looked on internet banking this morning and there was £2.50 from Royal mail in my account.

Funny how neither the account number/sort code or card number match my new account, yet they still managed to get the money to me.

LittleOne83

Random question...would the sub prime credit card peeps approve me if I have an active default and 2 DMP's listed on my file? The active default should also change to payment plan at the next update.
tia

seeya23

LittleOne83 wrote: »

Random question...would the sub prime credit card peeps approve me if I have an active default and 2 DMP's listed on my file? The active default should also change to payment plan at the next update.
tia

all you can do is try
ps i would try capital one first

auqa card http://www.aquacard.co.uk/
Capital One https://www.capitalone.co.uk/creditcards/secure/application.jsf
Vanquis Visa http://www.vanquis.co.uk/home/home.aspx

cifpower

Apply for Vanquis via Quidco and get £25 cashback

bigbum_2

LittleOne83 wrote: »

Random question...would the sub prime credit card peeps approve me if I have an active default and 2 DMP's listed on my file? The active default should also change to payment plan at the next update.
tia

Hmmm, well i got the sub-prime cards with 2 defaults on my file (they'll drop of by August next year). I'm also dealing with a debt collection agency.

I also had about a dozen late payments over a 12 month period at the time i applied, but still got the cards.

Just my personal experience though, i'm sure the brainiacs will be along soon enough to advise :beer:.

bigbum_2

TheEffect wrote: »

I found this quite amusing. About 12-15 months ago, I had a RoyalMail account online which I deposited £10 into. It had £2.50 left in it and was never used. A few weeks ago, I got an email saying as my account hasn't been active for 12 months, they'll be refunding the remaining money back onto my card. I just ignored it as that was when I had an Under 19's account with Lloyds TSB, which was closed back in January. The card I used for the royal mail deposit had also been changed a few times so the card was very much dead.

Anyway, I opened a silver account with Lloyds TSB a weeks ago, and to my amazement, I looked on internet banking this morning and there was £2.50 from Royal mail in my account.

Funny how neither the account number/sort code or card number match my new account, yet they still managed to get the money to me.

How lovely to get an unexpected 'windfall' :beer:. You've got 2 more pieces of good luck to come your way. These things happen in 3's :T.

LittleOne83

Thanks guys.
Have applied for Aqua, Vanquis and Capital One.
Aqua was a straight out no. Will keep everything crossed for the other two.