Sub Prime Credit Thread Part III

never-in-doubt

Brian1966 wrote: »

Over the last 3 years I have had countless letters from these morons..one chasing a Barclaycard debt..not mine...then 5 different First National..Lombard accounts..again not mine.
Even offered me a 75% discount to pay them off...was nearly tempted NOT :rotfl:

I'm taking on capquest right now for 2 barclaycard accounts - neither are mine of course!

Loved my letters to them, already had apology letter but I want more - I want blood! :beer:

never-in-doubt

TheEffect wrote: »

£500 has been going into my HSBC account for 4 months, and around £300 a month before that. All my DD's go out of HSBC. I don't split my accounts anymore, just use HSBC. I have a Plus account with them (with CGC). I was told my behaviour score last month was 53 (i think), but went down to 38 this month as I canceled all of my DD's, then reinstated them (long story).

I officially started a new job today and now on around 14k before tax. This will be going into my HSBC account as of the 15th.

What's the address I have to write to for an appeal?

Thats why - pointless appealing if your score is 38 mate. has to be 50+ minimum for a CC. I did explain this in past - 70+ generates high loans etc......

TheEffect

never-in-doubt wrote: »

Thats why - pointless appealing if your score is 38 mate. has to be 50+ minimum for a CC. I did explain this in past - 70+ generates high loans etc......

Well it's worth appealing anyway I think, as it was 53 last month. What's the address to appeal?

Brian1966

never-in-doubt wrote: »

I'm taking on capquest right now for 2 barclaycard accounts - neither are mine of course!

Loved my letters to them, already had apology letter but I want more - I want blood! :beer:

I need to take on Cabot..duplicate default on Equifax..balance increasing monthly too.
My other default is with Capquest..very old Cap one debt

never-in-doubt

Address to appeal, waste of time though matey, is here:

HSBC
Chartwell House
365 Chartwell Square
Southend-on-Sea
Essex SS99 2UU

never-in-doubt

Brian1966 wrote: »

I need to take on Cabot..duplicate default on Equifax..balance increasing monthly too.
My other default is with Capquest..very old Cap one debt

what? they can't change a default mate or it must be removed for good! You know about defaults right? if it changes and isn;t legally enforceable then get it removed! Can you log-in and get prints of the default changing month by month?

sutton111

Brian1966 wrote: »

By the way...GOOD EVENING everybody :beer:
Can't go to bed without checking in on here.
Might miss something and that would never do

I see your Natwest credit card finally turned up. Congratulations.

Any chance of a picture? :cool:


I've just read about the pin fiasco. :rotfl:

never-in-doubt

TheEffect wrote: »

Well it's worth appealing anyway I think, as it was 53 last month. What's the address to appeal?

mate trust me, it really isn;t worth appealing...... however for a stamp you could do, personally I wouldn't as you need at least 50 behaviour score.......

sutton111

never-in-doubt wrote: »

Address to appeal, waste of time though matey, is here:

HSBC
Chartwell House
365 Chartwell Square
Southend-on-Sea
Essex SS99 2UU

I take it the above address is just for HSBC credit cards not their bank accounts.

TheEffect

never-in-doubt wrote: »

Address to appeal, waste of time though matey, is here:

HSBC
Chartwell House
365 Chartwell Square
Southend-on-Sea
Essex SS99 2UU

Did you send anything with your appeal letter? Guess it's pointless sending pay slips or bank statements, as they see all of that anyway.... maybe a copy of my credit report?