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Sub Prime Credit Thread Part III

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Comments

  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    fairmorn308 wrote: »
    if i want to get up the career ladder i have to then it gives me a licence to print money :D
    Good... I'm currently choosing what degree I want to do.

    I was looking at International Finance.
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Innocent_Guy wrote: »
    Hi Mate,

    Got declined and appealed in branch....

    BTW I got declined for the CC not current account. This was accepted and O/D was granted.

    I now have 4k available in O/D!!!
    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
  • fairmorn308
    fairmorn308 Posts: 1,530 Forumite
    Innocent_Guy wrote: »
    Good... I'm currently choosing what degree I want to do.

    I was looking at International Finance.

    cool. I will have to pay for this 5 day course myself which will be £1100 but well worth it if i pass tho cause will open alot of doors for me

    will be very interesting to find out about currys credit cause i need a new laptop
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    edited 20 August 2009 at 8:51PM
    fairmorn308 wrote: »
    cool. I will have to pay for this 5 day course myself which will be £1100 but well worth it if i pass tho cause will open alot of doors for me

    will be very interesting to find out about currys credit cause i need a new laptop
    My course is going to codt me big time aswell!

    I would like it to be V12/Callcredit however from previous experiences seems unlikely.

    I would apply for something if it was deffo a Callcredit search
    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
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    off for some food - chat later if you're around mate.....

    I got declined by A&L for the bank account mate - lol. No reason given, just a 'sorry' so will now write to them explaining their breach of ICO guidance and demand a reason! I know what it is, the 2 o/s cifas entries (Lloyds and hbos)
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    never-in-doubt wrote: »
    off for some food - chat later if you're around mate.....

    I got declined by A&L for the bank account mate - lol. No reason given, just a 'sorry' so will now write to them explaining their breach of ICO guidance and demand a reason! I know what it is, the 2 o/s cifas entries (Lloyds and hbos)
    Well let us know when you get your decline letter....

    Have fun with your food...

    Do you reckon I should try Aqua again?
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Guys,

    I thought that I had more search than I actually do.

    Currently showing 17 for the last 12 months on Experian however 5 are being removed so this leaves me with 12 for the last 12 months.
    I know it is still high however not as bad as I thought....

    btw, abbey did not credit check me for the current account, must have been on internal score however I can see the search for the CC..
    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
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Innocent_Guy wrote: »
    My course is going to codt me big time aswell!

    I would like it to be V12/Callcredit however from previous experiences seems unlikely.

    I would apply for something if it was deffo a Callcredit search
    These cowboys use V12

    http://www.mynewcheap.co.uk/contact-support/finance.htm
    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
  • PARIS_5000
    PARIS_5000 Posts: 868 Forumite
    TheEffect wrote: »
    Thanks. I got...

    Single ICT - B
    Double ICT - B
    Media Studies - D

    I was 1 mark off an A in Single ICT, so redoing one bit of it to get the A. Hopefully I'll be able to study Psychology in 2010 at a half decent University, but for now, I've got a secure job for a year. :)


    Your results are great.
  • poker-playa
    poker-playa Posts: 31 Forumite
    been reading a few posts about people slagging nid off. anyone know why this is? hes helping me get some letters and seems ok but a few people are being nasty is it only cos of him fighting the banks? thanks x
This discussion has been closed.
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