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First Direct

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  • stella2009
    stella2009 Posts: 278 Forumite
    I blame both you and Innocent for this! However if accepted then i'll buy you both a beer for pressurising me to apply :D:D

    :rotfl: :rotfl: :rotfl:

    LOL

    We'll hold you to that ;-)
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    I want a 1st direct account!
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Guess what?

    Niddy applied to 1st Direct again yesterday - a year after I last applied (First Direct)! Lets hope this time they give in to their desires - they know they want my custom lol.....

    :rotfl: :rotfl: :rotfl:

    To be updated - in due course!

    Email received stating - note the red bold text! Arghhhhh:

    Re: Your first direct 1st Account application.

    Thank you for your recent request to join first direct.

    Full details about a first direct 1st Account, along with an application form containing the information you have provided, are now on their way to you. When you receive your application, please check that the information it contains is correct, then sign and return it to us as soon as possible so we can complete our final checks.

    If you have any queries regarding your application, please contact us on 0800 24 24 24.

    Regards

    Account Opening Team

    To maintain a quality service calls may be recorded.
    At least it's not a decline (yet!) :eek:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Guess what?

    Niddy applied to 1st Direct again yesterday - a year after I last applied (First Direct)! Lets hope this time they give in to their desires - they know they want my custom lol.....

    :rotfl: :rotfl: :rotfl:

    To be updated - in due course!

    Email received stating - note the red bold text! Arghhhhh:


    At least it's not a decline (yet!) :eek:

    Do they straight decline then?

    The Effect was accepted with a credit file that was shot so I am optimistic.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Do they straight decline then?

    The Effect was accepted with a credit file that was shot so I am optimistic.

    Someone on page one said they know of people auto declined at application stage, but I still think they perform a search and ignore it until they get the forms back - but if it has severe adverse, then the system auto declines? A little like HSBC me thinks..... :D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    Someone on page one said they know of people auto declined at application stage, but I still think they perform a search and ignore it until they get the forms back - but if it has severe adverse, then the system auto declines? A little like HSBC me thinks..... :D

    Interesting! How long does the whole application take?
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    Interesting! How long does the whole application take?

    I applied at 4am this morning and got email at 10am, I should get pack tomorrow (Thursday) and assume they get it on Monday, I should know by next Tuesday. However you can ring and they will preapprove you for things, like I did last time - but really that means fcuk all - sadly enough! :D

    have a read of page 1 mate - it tells the main story of me last year! However I had 300+ searches back then, now I have less than 50 (maybe more than 40 though)! haha :D:D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    I applied at 4am this morning and got email at 10am, I should get pack tomorrow (Thursday) and assume they get it on Monday, I should know by next Tuesday. However you can ring and they will preapprove you for things, like I did last time - but really that means fcuk all - sadly enough! :D

    have a read of page 1 mate - it tells the main story of me last year! However I had 300+ searches back then, now I have less than 50 (maybe more than 40 though)! haha :D:D

    What happens if you apply over the phone? Surely they say you have been approved/declined then and there? I remember The Effect saying that the person that does the app can look at the credit file and make their on decision on product approvals.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    What happens if you apply over the phone? Surely they say you have been approved/declined then and there? I remember The Effect saying that the person that does the app can look at the credit file and make their on decision on product approvals.

    Yea I think they can see your credit file and they do decide based on info at hand and what you tell them on the phone - personally I think if you do it over the phone they still work the same way, you'll go through everything and then at the end they will say they are sending forms - I have again today been provisionally approved (otherwise no forms would be sent) - but doesn't mean anything mate - as they check when you return them, so applying over the phone will be no different - they will preapprove and when you send them back, they will assess based on info they have at that time! :D
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    This is why it is sooo exclusive!
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
This discussion has been closed.
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