Sub Prime Credit Thread Part III

ElkyElky

Joeler wrote: »

The address situation has probably helped. I doubt she has made any of her creditors aware she has moved 4 times!

If they havent caught up yet she may be able to get a bank account. Make hay while the sun shines! Not that the sun has shone much today mind

Thats the thing.. her creditors know where she lives now. She gets letters every now and again saying she owes money and blah blah.

I believe her debts are unenforceable because they've been threatening court action for the past 3 years and nothing has ever come of it.

Joeler

sutton111 wrote: »

I would stay the reason you don't get an OD is because you don't stay with a bank longer enough to build up an internal score.

My Halifax O/D isnt really worth having as they have changed the way they bill you now and it works out at £1.00 per day you use an arranged overdraft and £5.00 per day you go over your O/D limit. Still good for emergencies etc and I'm happy I have it, but is now much more expensive than it was to use previously...

sutton111

Joeler wrote: »

My Halifax O/D isnt really worth having as they have changed the way they bill you now and it works out at £1.00 per day you use an arranged overdraft and £5.00 per day you go over your O/D limit. Still good for emergencies etc and I'm happy I have it, but is now much more expensive than it was to use previously...

My Mum and Dad have the Ultimate Reward and they still get charged go old interest.

Joeler

sutton111 wrote: »

My Mum and Dad have the Ultimate Reward and they still get charged go old interest.

Oh right, but then I think you have to pay for that account? Swings and roundabouts I guess...

sutton111

Joeler wrote: »

Oh right, but then I think you have to pay for that account? Swings and roundabouts I guess...

Yes, it's currently £12.95 pcm.

Joeler

ElkyElky wrote: »

Thats the thing.. her creditors know where she lives now. She gets letters every now and again saying she owes money and blah blah.

I believe her debts are unenforceable because they've been threatening court action for the past 3 years and nothing has ever come of it.

Yeah well hopefully they will forget about it all together haha

Cash_Flow

sutton111 wrote: »

Thanks Effect, they're much better.

The difference between your valid and expire dates on your Capital One card isn't that long

Thats Capital one for you.

sutton111

Cash_Flow wrote: »

Thats Capital one for you.

Hi Cash Flow, hows it going?

seeya23

mine run out 09 2011

Cash_Flow

TheEffect wrote: »

Agreed. HSBC is my longest running account so far, at 5.

I have banked with lloyds for 12 years and Barclays for 5 months:D