Sub Prime Credit Thread Part III

kilasuit

TheEffect wrote: »

Am I crazy? My mother has gone to Spain for two weeks, so it's just me (18) and my brother (20). My brother has just told me he's having 'friends' over on Saturday. I hate his friends, I never get any sleep, they always have music loud and it turns into a full blown party.

I'm thinking of booking into a travelodge for Saturday night. It's £50... I don't want to stay with friends or family either, so I might just book it. I'm working 3pm till 10pm on Saturday and the travelodge is right next to work, so I can walk out of work at 10pm, straight into a nice comfy room.

Waste of money much?...

A Level results tomorrow.

tbf its not a necessity but i reckon for the benefits gained its worth it.

just make sure that you get him to do the tidying afterwards

TheEffect

Reading back my post, I'm such an anti-social loser...

claire6hy

TheEffect wrote: »

Am I crazy? My mother has gone to Spain for two weeks, so it's just me (18) and my brother (20). My brother has just told me he's having 'friends' over on Saturday. I hate his friends, I never get any sleep, they always have music loud and it turns into a full blown party.

I'm thinking of booking into a travelodge for Saturday night. It's £50... I don't want to stay with friends or family either, so I might just book it. I'm working 3pm till 10pm on Saturday and the travelodge is right next to work, so I can walk out of work at 10pm, straight into a nice comfy room.

Waste of money much?...

A Level results tomorrow.

TheEffect wrote: »

Reading back my post, I'm such an anti-social loser...

u beat me to it hehe!!!

TheEffect

My fourth CapitalOne statement should be out within the next hour (it comes out on the 19th, but usually comes out around 12-12.30am on the 20th).

Lets see what they up my limit too, It's at £100 now.

Edit, it's already out.

Credit Limit £200.00
Current Balance £50.00

never-in-doubt

PROLIANT wrote: »

Try buy it direct, they use V12 Finance who check CallCredit.

Hiya

Any idea as to this mate? #6789 Is it deffo CallCredit or is this a new thing with them?

big_Daddy_Dave

OK ive just signed up to jacamo

it said i have a 125 credit limit after i had signed

but i cant order anything on credit, it asks for a debit or credit card

anyone know whats wrong?

never-in-doubt

big_Daddy_Dave wrote: »

OK ive just signed up to jacamo

it said i have a 125 credit limit after i had signed

but i cant order anything on credit, it asks for a debit or credit card

anyone know whats wrong?

Yep, you get the £125 limit as we all do, log out and clear history etc then log back in and if the limit has gone then they have changed their minds. If it reappears then cool....

Its the way they work, every1 gets £125 to start and when they log out it can disappear (i.e. declined)

alfred64

sruben wrote: »

My wshing machine has decided to die this evening, was wondering if anybody had ever tried to apply for credit with currys and if they had been successful or should I just stick to the launderette for the next few months.

The right payment option for you

When you buy online at Currys, you can pay in full using your credit or debit card or you can spread the cost with one of our credit options.
We've made it as easy as possible to apply online for finance if you choose to purchase on credit. Simply choose the credit option that best suits you, submit the completed online form and receive an online decision in seconds.
Once accepted (subject to status), we'll send you a copy of the application form to sign and post to us. We'll dispatch your order as soon as we've received your signed form.
Choosing a plan that best suits you
We've brought together different credit options so that you can choose a plan that best suits you.
Want low monthly payments? Easiplan lets you spread the cost over 48 months.
Looking for a quick and easy credit option? With Simply 10, you pay a deposit of 10% followed by 10 monthly instalments of 10%.
Prefer the option of having your interest refunded if you pay back your credit more quickly? The Flexible Finance Option lets you do just that.

Easiplan

• Available for purchases over £150 Pay just 5% deposit Spread the cost over 48 months and enjoy low monthly payments
• Monthly payment works out at just over £3 per £100 borrowed, paid by Direct Debit

Example
Television cash price £1,000
Deposit £50
Monthly payment £30.15
Total Payable £1497.20
Typical APR 24.9% APR
Simply 10

• Quick, easy and straightforward credit Available for purchases over £115 Pay 10% deposit Spread the cost over 10 months
• Monthly payment of £10 per £100 borrowed, paid by Direct Debit

Example
Television cash price £499
Deposit £49.90
Monthly payment £49.90
Total Payable £548.90
Typical 26.3% APR
Flexible Finance Option (6 or 9-month options)

• Available for purchases over £300 (6-month plan) or £1000 (9-month plan) Pay 5% deposit Spread the cost over 48 months with the option of paying back your credit more quickly All interest paid is refunded if you pay the whole balance off within the specified time, either 6 and 9 months
• Monthly payment of just over £3 per £100 borrowed, paid by Direct Debit

Example
OPTION
6 month
9 month
Television cash price
£300
£1000
Deposit
£15
£50
Monthly payment
£9.64
£32.12
Settlement Amount
(To clear balance at
end of option period)
£236.80
£693.04
Total Payable
(Over 48 month term)
£477.72
£1591.76

Typical 29.5% APR

How to apply

• Add the selected product(s) to your basket and proceed to checkout

• Once you have entered your personal details or logged in you will be given the option to apply for finance, if the cost of your purchase meets the minimum value required.

• It will take only a few minutes to complete the online finance application and youll receive a decision within 60 seconds.

Further information


You must be at least 18 years old and a resident in the

• UK. You must either be in regular employment (defined as a minimum of 16 working hours per week and excluding temporary or agency employment) or retired with a non-state pension. Full-time students are not eligible for finance.

• A deposit is required for all finance purchases online or by phone. You can pay for the deposit by credit or debit card only.

• You must be able to pay monthly repayments by Direct Debit. The Direct Debit mandate must be in the same name as the agreement and signed by the customer

• Your order will only be dispatched once your application for finance has been approved and we have received the signed application from you. On receipt of the signed application form we will contact you with your order confirmation and, if necessary, to arrange a delivery date

• All credit is subject to status. Applicants must be 18 or over. Payable by Direct Debit only. DSG Retail

never-in-doubt

Thanks Alfred but why the post?

fairmorn308

morning troops