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Sub Prime Credit Thread Part III

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  • System
    System Posts: 178,353 Community Admin
    10,000 Posts Photogenic Name Dropper
    sutton111 wrote: »
    The way they chase Statute Barred debts is the worse, they know they are Staute Barred, they buy them for peanuts and then move them around their internal companies, trying different tactics.

    IE Lowell - Red - Mackenzie Hall - Lowell - Mackenzie Hall - Red. Around in circles trying it on. :mad::mad::mad:

    I had dealings with Castle Collections and Moorcroft, the latter being particularly vile.

    The thing was I really wanted to pay but they just demanded more and more all the time, they really were horrible bullies.

    Still, it's all paid up and over with now :o
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    That's a recommendation yes, but not a requirement!
    Ok, is that something you have read?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    Ok, is that something you have read?

    Aqua told me that themselves.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Aqua told me that themselves.
    Ok, when did you last apply?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    UNDERGROUND wrote: »
    I had dealings with Castle Collections and Moorcroft, the latter being particularly vile.

    The thing was I really wanted to pay but they just demanded more and more all the time, they really were horrible bullies.

    Still, it's all paid up and over with now :o

    I've dealt with Moorcroft, I got the better of those idiots. :mad:
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    Ok, when did you last apply?

    August and yes I was declined. :o
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    August and yes I was declined. :o
    What are you going to apply for in November?

    Vanquis
    Current Account
    Iphone?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    UNDERGROUND wrote: »
    Still, it's all paid up and over with now :o

    Mine are now. I finally paid the final two.

    I'm alot more wiser now about DCAs, what they can and can't do and they have to prove the debt. Also the 6 year limitations rule.

    All thanks to Rog2, 10past6, fermi, gerorgeuk and RAS. Those guys are so helpful!
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Innocent_Guy wrote: »
    What are you going to apply for in November?

    Vanquis
    Current Account
    Iphone?

    All three. LOL :rotfl:

    I may apply for a current account soon. Probably mid June. Halifax or the HSBC I think, I will probably get declined again though. :o :mad:

    I will try Aqua before Vanquis I think.

    The iPhone temptation is still here now! :o
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    All three. LOL :rotfl:

    I may apply for a current account soon. Probably mid June. Halifax or the HSBC I think, I will probably get declined again though. :o :mad:

    I will try Aqua before Vanquis I think.

    The iPhone temptation is still here now! :o
    Remeber to go into branch with HSBC as if you get on with the personal banker they can override the decline.

    I am going to try aqua again soon
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!
    Official SOS Club number 001 - Dry until 01.07.10
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