Sub Prime Credit Thread Part III

never-in-doubt

MBNA Decline reads this:

Thank you for your recent application. We are, however, unable to approve your application at this time. Each application
receives personal attention from a Credit Analyst who takes into consideration all of the available information. The
information we have received reveals a large number of recent applications for credit.
Under the Consumer Credit Act 1974 you are entitled to see the contents of your credit file and you can apply directly to the
Agency for this information. The name and address of the Credit Reference Agency used by MBNA is as follows:
Experian Ltd
PO Box 8000
Nottingham
NG1 5GX
To obtain information, simply write to them giving details of your address/es over the last 6 years, together with the statutory
request fee of £2.
We are sorry that we cannot be of service on this occasion.

never-in-doubt

sutton111 wrote: »

have a look to see if a search showing on Equifax.

Have you tried buying something then going through that process. You never know.

No searches as yet mate

Parki_2

With MBNA I still have an active account with them after paying it off on a DMP. But no mention of the DMP is written for MBNA and its paid of. Balance is £0 and limit £4000. Is it possible for them to issue me a card? I snapped the old one when I went on my DMP but they never asked for it.

sutton111

never-in-doubt wrote: »

MBNA Decline reads this:

Thank you for your recent application. We are, however, unable to approve your application at this time. Each application
receives personal attention from a Credit Analyst who takes into consideration all of the available information. The
information we have received reveals a large number of recent applications for credit.
Under the Consumer Credit Act 1974 you are entitled to see the contents of your credit file and you can apply directly to the
Agency for this information. The name and address of the Credit Reference Agency used by MBNA is as follows:
Experian Ltd
PO Box 8000
Nottingham
NG1 5GX
To obtain information, simply write to them giving details of your address/es over the last 6 years, together with the statutory
request fee of £2.
We are sorry that we cannot be of service on this occasion.

Is there a credit card company you haven't tried?

What about Co-op or Amex?

never-in-doubt

Parki wrote: »

With MBNA I still have an active account with them after paying it off on a DMP. But no mention of the DMP is written for MBNA and its paid of. Balance is £0 and limit £4000. Is it possible for them to issue me a card? I snapped the old one when I went on my DMP but they never asked for it.

Best ring and ask for a replacement card - act dumb, see what they say.... let us know when you try though (the answer should be a big fat sorry, account is now dormant but this is MBNA we're talking about here LOL!)

never-in-doubt

sutton111 wrote: »

Is there a credit card company you haven't tried?

What about Co-op or Amex?

You won't believe this but just finished typing my Amex (amex red) & Co-Op (membership reward account) appeals - they will go in tonights post! I applied last week for those two, along with john lewis and halfords....

I think i've done them all now mate

sutton111

never-in-doubt wrote: »

You won't believe this but just finished typing my Amex (amex red) & Co-Op (membership reward account) appeals - they will go in tonights post! I applied last week for those two, along with john lewis and halfords....

I think i've done them all now mate

What about BOS?

Halfords do a card? Who is the finance company?

never-in-doubt

sutton111 wrote: »

What about BOS?

nope they are the source of the linked address - sod that mate, plus still got a BOS cifas against me - never thought, that could be why I get declined LOL

sutton111

never-in-doubt wrote: »

nope they are the source of the linked address - sod that mate, plus still got a BOS cifas against me - never thought, that could be why I get declined LOL

:rotfl:

I would say that's defiantly why. LOL. I thought you got rid of them all.

never-in-doubt

sutton111 wrote: »

:rotfl:

I would say that's defiantly why. LOL. I thought you got rid of them all.

nah awaiting the HBOS SAR then i'll fight them but need to get that first so I get the source of the link etc - long and complicated to explain but I have to get the SAR before scaring them away to update and 'fix' their evident mistakes!