Sub Prime Credit Thread Part III

victor-meldrew_4

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.

if all you read about abbey is true then the system declined you and a human will approve on appeal.

fairmorn308

evening guys

never-in-doubt

I also applied for this deal with the credit card - Alliance & Leicester version though - got the following:

Thank you for applying for your Alliance & Leicester Premier Current
Account. We have received your personal information and we will keep it
safe.

We are considering your application, and we will e-mail you our decision
within the next 48 hours.

This message is for information only. You cannot reply to this message by
e-mail. If we need any more information about your application, our team
will try and phone you between 8am and 9pm.


Mike Ashton
Senior Customer Relations Manager

Will keep you all updated as to what happens, but A&L were the beggars who cifas me last year so should be interesting (they did remove it so they know I am me lol) :beer:

fairmorn308

never-in-doubt wrote: »

I also applied for this deal with the credit card - Alliance & Leicester version though - got the following:



Will keep you all updated as to what happens, but A&L were the beggars who cifas me last year so should be interesting (they did remove it so they know I am me lol) :beer:

good luck mate. thats the exact same account i got from them last year.

You any good with PPI relcaims ?

never-in-doubt

fairmorn308 wrote: »

good luck mate. thats the exact same account i got from them last year.

You any good with PPI relcaims ?

Haha - why? What are you doing now mate - whatever you do, dont reclaim from that account we discussed last night (Cap1) as it will put you back 10 steps big time!

Best advice for PPI reclaims is here: http://forums.moneysavingexpert.com/forumdisplay.html?f=169

TheEffect

never-in-doubt wrote: »

I also applied for this deal with the credit card - Alliance & Leicester version though - got the following:



Will keep you all updated as to what happens, but A&L were the beggars who cifas me last year so should be interesting (they did remove it so they know I am me lol) :beer:

I also applied the other day to get the £50.

''Dear Mr XXXXXXX

Thank you for applying for your Alliance & Leicester Premier 21 Current
Account. We have received your personal information and we will use it
safely.

We are now dealing with your application and we will e-mail you our
decision within the next 24 hours.

This message is for information only. You cannot reply to this message by
e-mail. If we need any more information about your application, our team
will try and phone you between 8am and 9pm.


Julie Harrison
Head of Current Account Acquisition''

Two minutes later...

''Dear Mr XXXXXX

We are pleased to tell you that your application for an Alliance &
Leicester Premier 21 Current Account has been successful. We are now
setting up your new account. We will send you written confirmation in the
post within the next couple of days.

Based on the information you gave us, we are not able to offer you an
overdraft. If you applied for a Moneyback Credit Card with your Premier 21
Current Account application, this has been cancelled. However, if you use
our Premier Switching Service, we may be able to consider matching an
overdraft you have with your existing bank. We will send you a Welcome
Guide shortly. Please read this for more details about matching an
overdraft. The Welcome Guide also contains all the information you need to
be able to manage your account.

This message is for information only. You cannot reply to this message by
e-mail.


Julie Harrison
Head of Current Account Acquisition''

fairmorn308

no no mate not going to touch that account am going to get the default removed and leave it to rest.

Just got a couple of accounts with welcome i wouldnt mind giving a crack at thats all mate.

Good luck with your A+L account

never-in-doubt

TheEffect wrote: »

I also applied the other day to get the £50.

Ahh sorry, I did get two emails so mine has been declined then lol. I deffo would have thought this would go through as people have been getting it with CCJ's etc.... hmm, strange! Or simply declined :rotfl::rotfl:

First said this:

Timestamp: 18 August 2009 03:48:39

Thank you for applying for your Alliance & Leicester Premier Current
Account. We have received your personal information and we will use it
safely.

We are now dealing with your application and we will e-mail you our
decision within the next 24 hours.

This message is for information only. You cannot reply to this message by
e-mail. If we need any more information about your application, our team
will try and phone you between 8am and 9pm.


Julie Harrison
Head of Current Account Acquisition

Second said this:

Timestamp: 18 August 2009 07:25:27

Thank you for applying for your Alliance & Leicester Premier Current
Account. We have received your personal information and we will keep it
safe.

We are considering your application, and we will e-mail you our decision
within the next 48 hours.

This message is for information only. You cannot reply to this message by
e-mail. If we need any more information about your application, our team
will try and phone you between 8am and 9pm.


Mike Ashton
Senior Customer Relations Manager

never-in-doubt

:wave::wave::wave: Bye bye spammer :wave::wave::wave:

:spam: :spam: :spam: :spam: :spam: :spam:

fairmorn308

morning guys

My plan today is fill out a budget planner and see where i can cut down on my outgoings on bills etc to free up more cash to pay off my debts