The Sub Prime Credit Thread - Part IV

never-in-doubt

wizzywig27 wrote: »

Exactly lol, something about not even being able to see the decision due to DPA lol, I was thinking, well if you have confirmed my details, then you have access, but she said she can not see it, her system just says pending.....quite annoyed to be honest, was on hold 21 mins being passed from dept to dept :mad:

Hmmm, so it may be a decline then - otherwise they would have told you i'd have thought

wizzywig27

never-in-doubt wrote: »

Hmmm, so it may be a decline then - otherwise they would have told you i'd have thought

no thats it mate, she said she cant see it due to DPA, not she coudnt tell me

she said its pending, and it could be pending due awaiting further info, it could be pending awaiting a signed agreement, or it could be pending awaiting me getting the decline letter - when she said that it made me think I might have been accepted, and they are just waiting for my signed agreement back!?

never-in-doubt

wizzywig27 wrote: »

no thats it mate, she said she cant see it due to DPA, not she coudnt tell me

she said its pending, and it could be pending due awaiting further info, it could be pending awaiting a signed agreement, or it could be pending awaiting me getting the decline letter - when she said that it made me think I might have been accepted, and they are just waiting for my signed agreement back!?

Yea, she said that (i.e. an excuse) mate! Thats the normal - 'sorry, I cannot see the decision due to DPA' usually means I dont want to have to tell you it is a no, so will fob you off whilst you wait for the letter!

I'm not saying its a definite no but she was lying.

ElkyElky

Hopefully when the letter lands on your door step, it'll clear things up.

wizzywig27

never-in-doubt wrote: »

Yea, she said that (i.e. an excuse) mate! Thats the normal - 'sorry, I cannot see the decision due to DPA' usually means I dont want to have to tell you it is a no, so will fob you off whilst you wait for the letter!

I'm not saying its a definite no but she was lying.

I was thinking that, my initial thought was that! But I have spoke to four people, who have all said you have to wait for the letter! sheesh, just tell me I have been declined lol! I am gonna call tomorrow and just say, tell me...idiots

ElkyElky

lol You won't know the decision until someone, who ever it is, where ever they may be, decides to process your application. Calling them every minute won't make them work faster. You'll just have to hold off until they make a decision, like everyone else who applies for any credit card. :rotfl:

never-in-doubt

wizzywig27 wrote: »

I was thinking that, my initial thought was that! But I have spoke to four people, who have all said you have to wait for the letter! sheesh, just tell me I have been declined lol! I am gonna call tomorrow and just say, tell me...idiots

Dont call mate - if it is with underwriting they may see it as desperation.

Just wait for the bloomin letter lol

wizzywig27

never-in-doubt wrote: »

Dont call mate - if it is with underwriting they may see it as desperation.

Just wait for the bloomin letter lol

Haha, I have read numerous times on here, when people apply for credit, you (and others) saying call them, they will tel you lol! And the reason I ring more than once, is cos in the past I have been given wrong information so many times :rotfl:

never-in-doubt

wizzywig27 wrote: »

Haha, I have read numerous times on here, when people apply for credit, you (and others) saying call them, they will tel you lol! And the reason I ring more than once, is cos in the past I have been given wrong information so many times :rotfl:

Lol, just noticed you nicked the text and format of my old sig hahaha

:rotfl: :rotfl: :rotfl:

wizzywig27

never-in-doubt wrote: »

Lol, just noticed you nicked the text and format of my old sig hahaha

:rotfl: :rotfl: :rotfl:

You lol :rotfl::D - I liked it :cool: