Sub Prime Credit Thread Part III

never-in-doubt

Rose123 wrote: »

they did the same to me and the nexxt letter i got in the post was my account details

I thought it was an accept when they get u to sign the agreement as they do the searches there and then, i dunno

LOL, exactly my sentiments (1st direct)........ beggars :mad::mad::mad:

never-in-doubt

TheEffect wrote: »

HSBC is also india though, and I've had quite a few problems with them.

Mine isn't - I always ring the 01226 PLUS number and get UK/Scotland.....

TheEffect

never-in-doubt wrote: »

Mine isn't - I always ring the 01226 PLUS number and get UK/Scotland.....

I don't have HSBC Plus. :rotfl:

never-in-doubt

TheEffect wrote: »

I don't have HSBC Plus. :rotfl:

then India it is for you my son hehe :j

Enjoy - I think i'll ring my Plus and speak to a friendly UK person who will greet me with Hello Mr N-i-D, how are you this evening.... whereas you'll get the 'Herro howd cant eyed helped you doday'

TheEffect

never-in-doubt wrote: »

then India it is for you my son hehe :j

Enjoy - I think i'll ring my Plus and speak to a friendly UK person who will greet me with Hello Mr N-i-D, how are you this evening.... whereas you'll get the 'Herro howd cant eyed helped you doday'

I don't use HSBC. Lloyds TSB Silver (UK Call Centre). Only reason I still have HSBC is because my employer can't seem to change my bank account details even though I asked them to, 3 weeks ago.

Would Barclays have given me a straight decline online if I failed credit scoring?

never-in-doubt

TheEffect wrote: »

Would Barclays have given me a straight decline online if I failed credit scoring?

Usually yes, you can;t appeal a credit score fail either as nothing would change to affect the score.

Just hold fire and see what they mate matey

Parki_2

never-in-doubt wrote: »

Usually yes, you can;t appeal a credit score fail either as nothing would change to affect the score.

Just hold fire and see what they mate matey

What can you actually appeal?

Rose123

never-in-doubt wrote: »

then India it is for you my son hehe :j

Enjoy - I think i'll ring my Plus and speak to a friendly UK person who will greet me with Hello Mr N-i-D, how are you this evening.... whereas you'll get the 'Herro howd cant eyed helped you doday'

lol, you've given me the giggles with this :rotfl:

I wont stop laughing for hours now, lol

Rose123

Parki wrote: »

What can you actually appeal?

good question

never-in-doubt

Parki wrote: »

What can you actually appeal?

credit report/adverse data/internal score.

You cannot appeal a credit score decline cos the only way to impove the score would be to lie, i.e. if you lived at address for 2 yrs then its 2yys, you cant suddenly say 5yrs to improve the score. lol - follow me?

but if they say they cannot offer you an account because you failed their criteria, then you can appeal, this means that you just don;t fit their ideal customer so tell them more to make them say yes! Similarly, with bad/incorrect CRA data this can be appealed.