Sub Prime Credit Thread Part III

Innocent_Guy

sutton111 wrote: »

Good evening everyone.

I'm going into HSBC tomorrow and ask them about opening a HSBC Plus account.

I can't get any credit card yet as non of the sub prime lenders search only Equifax.

I'm still loving my iPhone, I would of waited until Orange and Vodafone release it to see if the price changes, but reading a few posts on here, it seems the price is set by Apple not the Networks, so I didn't bother sending it back.

Hello Mate, Good luck with the HSBC account! Hope all pans out ok. I am unsure with what they are playing about with regards to lending criteria. They removed NID's o/d and cancelled his C/C :eek: But they send me a letter today regarding my o/d and they have extended it!

Have you tried barclaycard? they also have the pre-application check so may be worthwhile?

Let us know how you get on with HSBC....

Innocent_Guy

seeya23 wrote: »

evening sutton im going to get iphone when orange get them

Evening! I wonder what phone will be around when I come to upgrade my iphone

d123

never-in-doubt wrote: »

No mate you're not listening! fcuk what they say - its the law! They have no choice, they cannot exclude terms like that! Its a consumer right to cancel any long term regulated or otherwise agreement from the comfort of your own home in case you were forced to sign! Some older people have been duped this way mate.

Just to clarify, (even though I know TheEffect has sorted his cancellation), you have NO legal right of cancellation for a contract signed in person on the business premises. Ask any Trading Standards office or google it.

The legal right if cancellation is under the Distance Selling Regulations 2000 and allows a person to cancel a contract entered into by mail order, over the phone or the internet and allows 7 working days to cancel.

When a business allows cancellation of a contract set up in-store they are doing outside of any legal obligation and you will find most of the mobile networks have stopped doing the 14 day satisfaction trial.

www.consumerdirect.gov.uk/after_you_buy/know-your-rights/mobiles/

When you buy a mobile phone, in order to make or receive calls you will need to be connected to a network. You may do this by having a line rental contract or through buying a voucher which will allow you access to the network. At this point, you will enter into a contract with the Network Service Provider. You have no rights if you simply change your mind.

If the service hasn’t been carried out at all, or totally fails to meet the way it was described, you may be entitled to a refund, compensation or both.
If there is a fault on the network or SIM card, you are probably entitled to compensation.
Important points to bear in mind:

• Read the terms and conditions of your agreement with the Network Service Provider.
• You have no rights if you simply change your mind.
• However, you have seven working days to cancel a contract for goods ordered by telephone, mail order, email or fax, except for those goods which are made to order. See Returning or cancelling orders for more information.

ElkyElky

Well I spoke to NatWest. They couldn't see what happened exactly because my account is now closed and off their system, I told them that was rather convenient.

They said they've "opened a case" with headoffice to find out why it happened. She admitted herself I shouldn't have got charged. They just don't know why or what to do about it. I was speaking with the same girl who closed my account and withdrew the 1p interest.

Apparently I'll get a phone call within 2 days.

fairmorn308

good afternoon

just checked my credit file and welcome finance have settled my loan which ended last month and am happy about that as heard there sometimes tricky when comes to ending a loan.

magiciansgirl

never-in-doubt wrote: »

M&S is issued by HSBC (mainstream) - why dump that?

Because I can't balance transfer to an HSBC 0% card as they run the M & S one, and M & S have reduced my limit, put up the APR, and refused to reconsider on appeal. I pay off Vanquis in full monthly, am chipping away at M & S but feel I have been badly treated.

sutton111

Innocent_Guy wrote: »

Hello Mate, Good luck with the HSBC account! Hope all pans out ok. I am unsure with what they are playing about with regards to lending criteria. They removed NID's o/d and cancelled his C/C :eek: But they send me a letter today regarding my o/d and they have extended it!

Have you tried barclaycard? they also have the pre-application check so may be worthwhile?

Let us know how you get on with HSBC....

Your joking!!:eek::eek:

When did they do this? And why?

I haven't been on for a while and I missed it.

I never went to HSBC, I was too busy. I'll pop ion next week perhaps.

sutton111

seeya23 wrote: »

evening sutton im going to get iphone when orange get them

I don't blame you, it's a fantastic phone. I was going to send it back and wait, but O2 seem okay, actually.

sutton111

Innocent_Guy wrote: »

Hello Mate, Good luck with the HSBC account! Hope all pans out ok. I am unsure with what they are playing about with regards to lending criteria. They removed NID's o/d and cancelled his C/C :eek: But they send me a letter today regarding my o/d and they have extended it!

I've just read the HSBC thread and it made me laugh about how they took it away and re-introduced it. :rotfl:

I hope he's enjoying his holiday, he could of asked me. :mad: LOL

Innocent_Guy

sutton111 wrote: »

I've just read the HSBC thread and it made me laugh about how they took it away and re-introduced it. :rotfl:

I hope he's enjoying his holiday, he could of asked me. :mad: LOL

Its a joke lol!

Anyway, how was your holiday mate?

Hows the iphone getting on? Did you get the 3GS?