Sub Prime Credit Thread Part III

sutton111

never-in-doubt wrote: »

Mate - you know you usually have 30 days in which to appeal? Good Luck anyway - at least you got the iPhone

HSBC
Chartwell House
365 Chartwell Square
Southend-on-Sea
Essex SS99 2UU

I only applied last week. I still haven't had a decline letter yet.

never-in-doubt

sutton111 wrote: »

Thanks.

Is that just for bank accounts or every type of application?

Thats for Credit Cards mate but send it there as they will forward to the right dept - although I appealed my bank app with the branch direct. I went in and explained everything in person, they added notes and sent an email to underwriting which got me the account, i.e. the bank manager got me the account as she said 'I believe him'....

ElkyElky

The iPhone on contract is a waste of money I think. You get more free minutes and texts on PAYG!

seeya23

my cap one put my limit up to £ 200 today

sutton111

ElkyElky wrote: »

The iPhone on contract is a waste of money I think. You get more free minutes and texts on PAYG!

Well I can't afford £350 just like that for a PAYG iPhone. So contract is the best way for me.

sutton111

never-in-doubt wrote: »

Thats for Credit Cards mate but send it there as they will forward to the right dept - although I appealed my bank app with the branch direct. I went in and explained everything in person, they added notes and sent an email to underwriting which got me the account, i.e. the bank manager got me the account as she said 'I believe him'....

I might go in to the branch. I'll see what they say.

never-in-doubt

sutton111 wrote: »

I might go in to the branch. I'll see what they say.

Go for it mate - best way to do it and then you get to explain in detail, your circs.....

fairmorn308

hiya troops, Its been a few days since i have been on here

Well moved house the last few days, very stressful and alot to do as am away back to work for a month today so sitting in airport typing away to ya now.

No update yet regards to capital one and default removal and bank charges from them.

opened a account with RBS with the OH as a joint account and also a KEY account in my own name. they were asking if i was transfering everything from A+L to them and i said not at the moment due to not able to get new card in time for me to go away today. But really i wanted this default removed before they did a search for a current account as they did search me with experian for the key account.

tannedsam2008

Yey!!! Just been approved by Vanquis - incredible considering i still have 2 defaults!!!! :j:j

cifpower

Congratulations! Any word about the limit or APR?