Sub Prime Credit Thread Part III

bigbum_2

I'll have to love you and leave you now.

Hope to speak soon.

Take care of yourself and don't let the trolls get to you.

Night-night

bigbum :kisses3:

Brian1966

bigbum wrote: »

I'll have to love you and leave you now.

Hope to speak soon.

Take care of yourself and don't let the trolls get to you.

Night-night

bigbum :kisses3:

Night baby...you sleep well...safe in the knowledge that someone...somewhere is thinking about you....as ever

never-in-doubt

sutton111 wrote: »

Brian1966 and other MSE members on this forum please don't reply or engage with EASTERNTHUNDERUK.

This member has been reported to the MSE moderators. Don't rise to it, there is no point!

Now he's PPR'd - http://forums.moneysavingexpert.com/member.html?u=762273

seeya23

Good morning

never-in-doubt

seeya23 wrote: »

Good morning

Morning matey - hows things? You're always the first on here - lol......

Mightyowl

Morning!

Well i activated my Initial yesterday and was surprised the guy didn't push me into the ppi sell. He just mentioned it was 69.99 for the year and that was all he said on the matter, so well done to Barclaycard for not pestering it's customers.

Got the decline letter from Cap one on Thursday, usual non-sense about checking with the CRA to see why i was declined.

Vanquis might be my next attempt to build on my green (0)'s.

aligerdie

Hi all

Hubby got a decline from Cap1 the other day, letter said it was because of financial links (me!).

I had a cap1 debt, and recently reclaimed charges etc.

However we no longer have joint accounts, everything is seperate etc, is it worth appealing, or just writing it off as a wasted search?

never-in-doubt

aligerdie wrote: »

Hi all

Hubby got a decline from Cap1 the other day, letter said it was because of financial links (me!).

I had a cap1 debt, and recently reclaimed charges etc.

However we no longer have joint accounts, everything is seperate etc, is it worth appealing, or just writing it off as a wasted search?

Before actually appealing send email to all 3 CRA's requesting they disassociate you - they can only do this if there is no financial link to you both.

If there is any outstanding debt or open accounts the links cannot be broken, in essence they are saying you're financially linked which most partners are.

Any additional cards that may be issued are also classed as linked associates.

Best of luck.

Edit - just noticed hubby trying at same place you owe money to - avoid this like the plague! Do not appeal, move on to the next lender. Crappy-1 will not budge. They are absolutely shoddy as you get!

never-in-doubt

Mightyowl wrote: »

Morning!

Well i activated my Initial yesterday and was surprised the guy didn't push me into the ppi sell. He just mentioned it was 69.99 for the year and that was all he said on the matter, so well done to Barclaycard for not pestering it's customers.

Got the decline letter from Cap one on Thursday, usual non-sense about checking with the CRA to see why i was declined.

Vanquis might be my next attempt to build on my green (0)'s.

Nice one - well done :beer: What limit & apr did you get? Is this BarclayCard Initial you're referring to? (arghhh hate them!)

I've replied to PM

aligerdie

never-in-doubt wrote: »

Before actually appealing send email to all 3 CRA's requesting they disassociate you - they can only do this if there is no financial link to you both.

If there is any outstanding debt or open accounts the links cannot be broken, in essence they are saying you're financially linked which most partners are.

Any additional cards that may be issued are also classed as linked associates.

Best of luck.

Edit - just noticed hubby trying at same place you owe money to - avoid this like the plague! Do not appeal, move on to the next lender. Crappy-1 will not budge. They are absolutely shoddy as you get!

:rotfl:thanks for the advice, we'll give it a miss then! Anyone else you would recommend to try in 6 months? He has vanquis, JD Williams and Next.