Sub Prime Credit Thread Part III

fairmorn308

oh ok then.

Thinking of changing account from A+L back to lloyds tsb cause i dont have a OD with them and i keep running into my OD with A+L and then i can use that account at a later stage but am not sure cause i cant seem to stop going into my OD.

Innocent_Guy

Make you laugh......

I assume all of you have seen the abbey offer that basically states if you are accepted for a current account with an O/D you will automatically get accepted for a CC.
I applied for the Abbey account for this reason ( I already have an account with £1500 O/D ) and this was approved, great new account and £1000 O/D offered.

I then spoke to them about this auto accept for a CC and was told yes this is true, ANY CUSTOMER WHO IS OFFERED A MFC IS AUTO ACCEPTED FOR A CC. Anyway considering I had both MFC and new account with O/D I applied. Got DECLINED LOL!

Appeal is now under way!

It does state this on there website that this is a valid offer....

Anyway, If they don;t grant it I will request the search is removed as they have not completed what was offered...

Oh well.

DanDan123

Innocent_Guy wrote: »

Make you laugh......

I assume all of you have seen the abbey offer that basically states if you are accepted for a current account with an O/D you will automatically get accepted for a CC.
I applied for the Abbey account for this reason ( I already have an account with £1500 O/D ) and this was approved, great new account and £1000 O/D offered.

I then spoke to them about this auto accept for a CC and was told yes this is true, ANY CUSTOMER WHO IS OFFERED A MFC IS AUTO ACCEPTED FOR A CC. Anyway considering I had both MFC and new account with O/D I applied. Got DECLINED LOL!

Appeal is now under way!

It does state this on there website that this is a valid offer....

Anyway, If they don;t grant it I will request the search is removed as they have not completed what was offered...

Oh well.

Sorry - whats an MFC?

sruben

I just appealed there decision and was told that if you are not automatically accepted for the account and it has to go through the underwriters then you don't get accepted and you have to wait three months so they can see how you run your account.

I applied for the account three months ago heard nothing so thought I had been declined got an email from them last week saying yep all accepted overdraft visa debt card however it transpires that it was rejected but some underwriter without my knowledge decided to appeal the decision for me and that is how I got the account.

Innocent_Guy

DanDan123 wrote: »

Sorry - whats an MFC?

Multi Function Card - Cheque Guarntee, ATM, Shop

DanDan123

Ahhh, i see. I dont think i'll risk another application at the mo!

Innocent_Guy

sruben wrote: »

I just appealed there decision and was told that if you are not automatically accepted for the account and it has to go through the underwriters then you don't get accepted and you have to wait three months so they can see how you run your account.

I applied for the account three months ago heard nothing so thought I had been declined got an email from them last week saying yep all accepted overdraft visa debt card however it transpires that it was rejected but some underwriter without my knowledge decided to appeal the decision for me and that is how I got the account.

Do you have a good credit file?

Maybe if you got passed for the current account straight away you would not have to wait.

The branch told me that it should be auto accept

Innocent_Guy

DanDan123 wrote: »

Ahhh, i see. I dont think i'll risk another application at the mo!

How many have you made?

What naughties are on your file?

fairmorn308

good evening everyone

DanDan123

Innocent_Guy wrote: »

How many have you made?

What naughties are on your file?

1 CCJ (Settled 4 Years old)
2 Defaults (Settled 3 Years old)

Have got an HSBC plus account with Small overdraft (In the process of appealing a Credit Card Decline) O2 Contract etc everything has been fine for the last few years.

Think i have 3 searches.