The Sub Prime Credit Thread - Part IV

wizzywig27

never-in-doubt wrote: »

Ive explained before - they do not charge you. Basically you will get a reminder in your next statement saying pay this PLUS the o/s amount from last time. They then say if you don't pay a late payment charge will be added.

JD are one of the best for not charging you willy-nilly.

Nice one mate, cheers

I have also read comments on here from you before about if the payment is clear when they report to CRA, then it will show as payment on time, you reckon that will work here (unless it was due on 2nd and they reported on 3rd) :rolleyes:

never-in-doubt

wizzywig27 wrote: »

Nice one mate, cheers

I have also read comments on here from you before about if the payment is clear when they report to CRA, then it will show as payment on time, you reckon that will work here (unless it was due on 2nd and they reported on 3rd) :rolleyes:

Yes mate - stop worrying will you!

Its fine, JD are great for things like that!:D

wizzywig27

never-in-doubt wrote: »

Yes mate - stop worrying will you!

Its fine, JD are great for things like that!:D

I know mate, but I am trying so hard to get some regular payments on time, so in turn I can improve my credit! Years and years I was stupid with money, now I have learnt

seeya23

wizzywig27 wrote: »

Years and years I was stupid with money, now I have learnt

i was like that for 15 years but now im a new man lol

big_Daddy_Dave

never-in-doubt wrote: »

What? What do you mean...? :eek:

If you mean CRA then it is Equifax.

yea thats what i mean lol

sorrry had just woken up

wizzywig27

I have another question which I am hoping someone could give me some advice on please.

I paid for an item online using my Visa Debit Card, the cost was just shy of £35, it was sent on the 28th December but I have not received it. They advised in their email that if you don’t get receive it within 7 days to contact them, so I did. He then advises me that I may have to wait 4-6 weeks for a refund :eek:! Something about Royal Mail sending me a letter (which will also probably get lost in the post), I return it to them, Royal Mail then inform this company (seems long winded to me) - and then I get my refund...but is 4-6 weeks not a long time to wait?

Cash_Flow

never-in-doubt wrote: »

What? What do you mean...? :eek:

If you mean CRA then it is Equifax.

Cap One searched Experian when I applied back in April 2008;)

fairmorn308

evening all

Thats me changed all my addresse's now back to my old address and also sent off letters to all 3 CRA's

cifpower

Just treated myself to an iPod Touch 8GB.

davethorp

cifpower wrote: »

Just treated myself to an iPod Touch 8GB.

Nice.

Make sure you download the 12 days of christmas app. You've missed quite a lot of it but todays is a free game and then there are two more days of it left