Sub Prime Credit Thread Part III

savagej

never-in-doubt wrote: »

what a muppet! You hate the shysters as much as I do then you go and pay for that rubbish mate? No wonder you're off to school again - I suggest a crash course in common-sense for starters......

:rotfl::rotfl::rotfl:

(you know I love you really - thick or not mate lol)

lol

I made my Equifax credit score up, it was excellent and it didnt cost a penny.

Sorry to take the mick but it had to be done.

Innocent_Guy

never-in-doubt wrote: »

what a muppet! You hate the shysters as much as I do then you go and pay for that rubbish mate? No wonder you're off to school again - I suggest a crash course in common-sense for starters......

:rotfl::rotfl::rotfl:

(you know I love you really - thick or not mate lol)

So true, was just wondering what it really said.

I have wasted £6 on worse stuff lol.

TheEffect

In my effort to get every penny I can in a savings account this year, I just applied for a Halifax Reward Current Account again. I applied a month or two ago and was rejected instantly. I just applied now, and it said 'Thankyou for completing the application. You account is now opening. Your account number and sort code are XXXXX'

But underneath it seas 'What we will do next'' and then ''We need to carry out some further checks on your application. We'll do this as quickly as we can and send you a letter within 7 days, confirming whether your application has been successful''

I'm guessing this message has only been given as its 2am and the CRA are offline. They're just going to do a credit check when they come back online and decline?

When I login to internet banking with Halifax, it has the account, but has 'Application Decision' underneath which seas ''Sorry, we are unable to display the relevant information. Sometimes when customers open a new account we are unable to match this to your customer record. Please call the Online Helpdesk on 0845 602 0000 or try again later. We apologise for any inconvenience caused.''

Have I been accepted/declined?

Innocent_Guy

TheEffect wrote: »

In my effort to get every penny I can in a savings account this year, I just applied for a Halifax Reward Current Account again. I applied a month or two ago and was rejected instantly. I just applied now, and it said 'Thankyou for completing the application. You account is now opening. Your account number and sort code are XXXXX'

But underneath it seas 'What we will do next'' and then ''We need to carry out some further checks on your application. We'll do this as quickly as we can and send you a letter within 7 days, confirming whether your application has been successful''

I'm guessing this message has only been given as its 2am and the CRA are offline. They're just going to do a credit check when they come back online and decline?

When I login to internet banking with Halifax, it has the account, but has 'Application Decision' underneath which seas ''Sorry, we are unable to display the relevant information. Sometimes when customers open a new account we are unable to match this to your customer record. Please call the Online Helpdesk on 0845 602 0000 or try again later. We apologise for any inconvenience caused.''

Have I been accepted/declined?

Someone posted this question on the bank accounts thread a few days ago.

Your line of thought is correct.

They automatically issue you an account number and sort code when the CRA's are offline and carry out further checks during the day

Good luck, hope you get it because I want one!

TheEffect

Declined....

Innocent_Guy

TheEffect wrote: »

Declined....

Was it because you applied within the last 6 months?
Why not take their basic accounts?

victor-meldrew_4

afternoon
just been into halifax to show id and pay £100 in to activate my ultimate reward account.

she didnt understand the id request either,as i have a bos card,so she didnt bother.

she told me not to take the money back out untill after minnight or my cards wont come.

i questioned her on this,as i didnt intend taking it out again.it turns out alot of people are taking the account out and just running money through to get the bennefits.she almost expected it,lol.

PARIS_5000

TheEffect wrote: »

In my effort to get every penny I can in a savings account this year, I just applied for a Halifax Reward Current Account again. I applied a month or two ago and was rejected instantly. I just applied now, and it said 'Thankyou for completing the application. You account is now opening. Your account number and sort code are XXXXX'

But underneath it seas 'What we will do next'' and then ''We need to carry out some further checks on your application. We'll do this as quickly as we can and send you a letter within 7 days, confirming whether your application has been successful''

I'm guessing this message has only been given as its 2am and the CRA are offline. They're just going to do a credit check when they come back online and decline?

When I login to internet banking with Halifax, it has the account, but has 'Application Decision' underneath which seas ''Sorry, we are unable to display the relevant information. Sometimes when customers open a new account we are unable to match this to your customer record. Please call the Online Helpdesk on 0845 602 0000 or try again later. We apologise for any inconvenience caused.''

Have I been accepted/declined?

How many bank accounts have you apply for now ?

TheEffect

Innocent_Guy wrote: »

Was it because you applied within the last 6 months?
Why not take their basic accounts?

Due to credit scoring. There is no wait before reapplying.

PARIS_5000 wrote: »

How many bank accounts have you apply for now ?

HSBC C/A Advance - Main Account
Lloyds TSB Advantage - Not used/Needs to be closed
Alliance and Leicester Premier 21 - Not used, free £50 for opening

victor-meldrew_4

amazing,and true.
activated my account,paid in £100 at halifax today.

i just logged in and already have a gauranteed £100 o/d.it was 0 at account openning.i will not accept it untill my salary goes in as im sure it will rise, alot.

wish i would have accepted the account and loan four months ago.lol