Sub Prime Credit Thread Part III

victor-meldrew_4

ElkyElky wrote: »

Passed my motorcycle theory test today. I'm going for the car one also, in a few weeks.. while it's still all fresh in my memory.

Compared to the other tests I get at college, the theory is a piece of p*ss.

the full bike test is easy aswell.the examiners are very fair.just past mine.

i didnt think i would get honda finance for a new big bike,due to searches on experian .i tried with them for an older bike expecting a decline.
found out the next day they accepted,also carlile finance ,who search equifax,accepted.

gutted,could have a nice 0% new honda now.
not as strict as credit cards it seems.

puppywalker23

never-in-doubt wrote: »

Remember catalogue accounts waste available credit so when you start to get more cards, you need to start dumping the catalogues! So, in a nutshell when you start to get credit, open a couple of catalogue accounts to get the green [0]'s but once you get a credit card or 3! then you start to request minimal limits on the catalogues as it wastes your available credit which could be the difference between an accept/decline when you make an application somewhere!

So you do right by reducing your limit, you'll never want to spend £1200 on a clubby anyway lol :eek:

I know what you mean.

Don't know if it is the time of year or my credit rating is def on the up,just found out today as well as Littlewoods upping my limit to £1200,Very has went up to £800,Vanquis £1250,Capitalone 1500:eek: Goodness knows what limit I will get with Sygma.Will def reduce limits on catalogue's though.Also got my nice shiney RBS Highline 100 card today too:D

never-in-doubt

puppywalker23 wrote: »

I know what you mean.

Don't know if it is the time of year or my credit rating is def on the up,just found out today as well as Littlewoods upping my limit to £1200,Very has went up to £800,Vanquis £1250,Capitalone 1500:eek: Goodness knows what limit I will get with Sygma.Will def reduce limits on catalogue's though.Also got my nice shiney RBS Highline 100 card today too:D

Nice one on the highline and sygma application, I just replied to that thread lol. I think you'll get the norm £1500 - £2500 limit but whatever you get, come let us know please....

Well done - just dump some of your catalogues lol..... also, after 3 months with Sygma, go for an RBS card. If its a new RBS bank account you have, then wait 6 months. If not, say its an upgrade, then apply after 3 months (for their credit card)..

= a good chance of acceptance! :cool:

Innocent_Guy

never-in-doubt wrote: »

Is this the same one where you have confirmation from the DCA/Trace Agent that it's not you? If so, send it in to Equifax. If not, then simply email one of the top dogs, such as Paula Cloney..... but to be fair, if the lender doesn't get back to them usually after 14 days they will remove it pending the lenders answer (I say usually in the loosest possible way mate lol).....

So go back to them and insist it is removed pending investigation as it is having an adverse effect on your ability to obtain credit which can result in you suing them for Libel - because you've already appealed it in line with their own processes and they failed to respond. Its also a breach of DPA (1st schedule) and (for the DCA) CCA 1974

Cheers mate! I have added the above to my dispute. Thanks for the pointers.

never-in-doubt

Innocent_Guy wrote: »

Cheers mate! I have added the above to my dispute. Thanks for the pointers.

Good Luck mate.....

Me going to cooooba so catch you at the end of the month mate..... going to be lost without my MSE but the rum and cuban cigars and hot weather will help cure my symptoms, i'm sure lol

Innocent_Guy

ElkyElky wrote: »

Passed my motorcycle theory test today. I'm going for the car one also, in a few weeks.. while it's still all fresh in my memory.

Compared to the other tests I get at college, the theory is a piece of p*ss.

YEY! Well done..... How long from start to finish? i.e therory & tests?

Innocent_Guy

never-in-doubt wrote: »

Good Luck mate.....

Me going to cooooba so catch you at the end of the month mate..... going to be lost without my MSE but the rum and cuban cigars and hot weather will help cure my symptoms, i'm sure lol

Lol - Have some fun!

ElkyElky

Innocent_Guy wrote: »

YEY! Well done..... How long from start to finish? i.e therory & tests?

Thanks! I've still got my practical test to go but I'm not worried about that, it'll be fairly easy, I hope. The motorbike I have just now isn't suitable for the practical test I plan to do so I'm gonna go round some shops tomorrow and hopefully buy another.

Been on the road for about 3 months in total.

fairmorn308

good afternoon troops

whats everyone been upto

magiciansgirl

Hello, have closed my Capital One card. They didn't ever increase my limit and were lousy at customer service. Also closed a storecard so am hoping for a balance transfer offer some time and then will get rid of Vanquis and M & S.