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Sub Prime Credit Thread Part III

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  • cifpower
    cifpower Posts: 6,502 Forumite
    PROLIANT wrote: »
    Oi oi, Cif, Sutton and Ged, anyone else forgot to mention, long time no see, hows tricks?
    Hello you gorgeous thing!

    Opened a 2nd account with Northern Bank and an Easycash with Halifax for when I book airline tickets and got a new phone contract so all is well in the land of Jack.
  • cifpower
    cifpower Posts: 6,502 Forumite
    sutton111 wrote: »
    I wonder why?
    No idea. I am just happy they are gone,
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Hey Seya and everybody else etc, so how are we all getting on in the financial world?
    Any big leaps in to the land of mainstream credit?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • cifpower
    cifpower Posts: 6,502 Forumite
    sutton111 wrote: »
    Oh good no random text messages for the next 24hrs then! :p

    Could I use the same "trick" to get rid of one of my T-Mobile contracts? :confused:
    Only if they vary their terms and conditions which your contract allows you to cancel. I don't think T-Mob have done that but keep an eye on the mobile forum.
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    I have got that ITCH!
    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: »
    I have got that ITCH!

    What itch is that?
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    What itch is that?

    The itch to apply!

    I was going to apply for Halifax but.......
    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: »
    The itch to apply!

    I was going to apply for Halifax but.......

    Ah. I see. I would just apply, after 3 months of no applications and keeping up good payment record, I bet your credit has improved. :D
  • victor-meldrew_4
    victor-meldrew_4 Posts: 763 Forumite
    hiya people
    as your talking phones thought i mention vodafone.
    had a result with them last week.well with the NO ELIGEBLE UPGRADE DEPARTMENT.
    voda shops and online customer service were useless.
    basicly lost one of my uninsured phones on one of my contracts .
    everybody at voda was quoting me £218 to end my contract early,which seemed cheaper than a new phone.i also wanted an extra contract.
    N E U DEPT reduced my contract by £5 for three months,this is new apparently,and ended it early.they gave me two credits of £50,introduce a friend discounts,and done something else.
    i have to pay them £81 and in three months they will credit me £100.they even defered the £81 so it coincides with the credit.
    just shows you that if you get the right person/dept you can get some ware.nice to negotiate with someone and not get a scripted line from a robot/call center monkey.
    ive got 4 contracts with them now,which i want and need.luckily they have only ever done the initial credit check.
    littlewoods/littlewoods direct/marshall ward/kays/greatuniversal/empire stores/addittions/grattans/next/ambrose wilson.barclay card/cap1/bos/vanquis gold/vodafone/3 .dell finance/currys finance
    Official SOS Club number 009 - Dry until 18.11.2009
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    Ah. I see. I would just apply, after 3 months of no applications and keeping up good payment record, I bet your credit has improved. :D

    Hope so.......
    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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