Sub Prime Credit Thread Part III

plumber2009

izools wrote: »

Well I bet plumber2009 is chuffed getting his Simplicity back!

The account can't have been in too bad order, although you might find yourself with a higher APR now if it's previously been in arrears / AP

Purchases are at 6.9%
Cash at 24.9%

reduced my credit limit by 50%

Will not be using this card for cash. Will transfer my balance from Capital One and will try to tranfer Vanquis balance to my barclaycard.

My account was on a payment plan of 6.95 a month because i lost my job about 2 half yrs ago. Once I was back in work I was paying amounts between 50 and 200 a month.

fairmorn308

Innocent_Guy wrote: »

Bonjour! Cava?

hows u mate?

Innocent_Guy

fairmorn308 wrote: »

hows u mate?

Good Mate, yourself?

izools

plumber2009 wrote: »

Purchases are at 6.9%
Cash at 24.9%

reduced my credit limit by 50%

Will not be using this card for cash. Will transfer my balance from Capital One and will try to tranfer Vanquis balance to my barclaycard.

My account was on a payment plan of 6.95 a month because i lost my job about 2 half yrs ago. Once I was back in work I was paying amounts between 50 and 200 a month.

So you kept your superb purchase rate. Good going! Well done :T

CHANGEyourMP

I took great pleasure in accompaning my o/h to close their Barclays current account today, because of the personal reserve, we had asked them to remove it in branch about 3 month's ago and despite waiting and watching a member of staff cancel it on their computer, it was never removed!:mad:

THIS IS AN ABSOLUTE DISGRACE OF A CHARGE AND EVERYONE STILL BANKING WITH BARCLAYS, NEEDS TO REJECT THEIR STEALTH APPROACH TO CHARGING AND CHANGEbankACCOUNTS ASAP!

BARCLAYS BANK AND ALL WHO WORK FOR YOU!:p:p:p:p:p

izools

Never been charged a penny by Barclays.

In fact, I've raised a couple of complaints with regard to time taken to transfer money between Barclays accounts and so far received £20 goodwill from them.

Just got to know how to work the system my friend, they already work for me

CHANGEyourMP

izools wrote: »

Never been charged a penny by Barclays.

In fact, I've raised a couple of complaints with regard to time taken to transfer money between Barclays accounts and so far received £20 goodwill from them.

Just got to know how to work the system my friend, they already work for me

:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p:p!;)!

Innocent_Guy

CHANGEyourMP wrote: »

I took great pleasure in accompaning my o/h to close their Barclays current account today, because of the personal reserve, we had asked them to remove it in branch about 3 month's ago and despite waiting and watching a member of staff cancel it on their computer, it was never removed!:mad:

THIS IS AN ABSOLUTE DISGRACE OF A CHARGE AND EVERYONE STILL BANKING WITH BARCLAYS, NEEDS TO REJECT THEIR STEALTH APPROACH TO CHARGING AND CHANGEbankACCOUNTS ASAP!

BARCLAYS BANK AND ALL WHO WORK FOR YOU!:p:p:p:p:p

The simple way would have been to budget properly and not use the personal reserve?

Innocent_Guy

Guys,

Some advise please.

I am thinking of applying for a loan with nationwide. I have carried out the quotation and it has credit searched me. It says:

Rates are subject to status and our assessment of your financial circumstances. We consider a combination of factors to calculate the rate of interest which will apply to your personal loan, including your past account history, your past credit history and other personal details that we hold.

and then

Your application has not yet been accepted. When you click on the Apply button you will submit your application to us. As part of this process we will credit score your application. It may take up to 60 seconds for you to receive our decision.

Do you think it is worth applying? It has offered me a rate and installment but was just wondering when it would have said on the quotation that it could not offer me a rate if my scoring was not good enough?

PROLIANT

Nationwide have carried out a quotation search with Experian, they will credit search you when you hit apply and will give you an answer.