The Sub Prime Credit Thread - Part IV

Zack1

seeya23 wrote: »

good day to all not got a lot to do today apart from geting the kids from school @ 3pm

I'd hate getting kids from school, when they're little they take a lifetime to leave! Was with my friend as she got her little brother, were stood there for ages!! . Dropping them off is easy because they just run off! :rotfl:

I've got uni. Well, was supposed to be there 29 minutes ago..... just been woken up by a phone call asking if I want to go shopping... that & student finance money now Halifax have decided they don't want me should be an interesting experience!!! :rotfl:

ElkyElky

Zack1 wrote: »

I'd hate getting kids from school, when they're little they take a lifetime to leave! Was with my friend as she got her little brother, were stood there for ages!! . Dropping them off is easy because they just run off! :rotfl:

I've got uni. Well, was supposed to be there 29 minutes ago..... just been woken up by a phone call asking if I want to go shopping... that & student finance money now Halifax have decided they don't want me should be an interesting experience!!! :rotfl:

Do the sensible thing.. pay off your debt and put the remaining money in a savings account. Preferably a 5 year bond so you won't be tempted to touch it. You'll get a great rate of around 5%.

never-in-doubt

ElkyElky wrote: »

Do N Hunter actually have a monthly feed? I wouldn't have thought so since they only assess applications.

No mate - they do not. They literally have a system running alongside Experian and it checks applications made - there is no sharing or anything else, it does a parallel scan at application time and flags inconsistencies - that's it.

Then say a week later, after they added a flag, you went and applied to say Natwest - they would do a credit search and at the time of the search N Hunter would flag up an 'applicant refer' marker telling Natwest that you'd lied on the last application, and then there would be a link to that application telling them the differences and it is at this point Natwest decide to agree, decline or CIFAS the application.

The applicant refer flag will remain for 6 years but only really means something in the first 6 months of it appearing, after all it is a warning - not a foolproof system to combat fraud. It basically tells the lender to check in more detail as things differ between this application and the last one (or the previous few if relevant).

Make sense now lol

Zack1

ElkyElky wrote: »

Do the sensible thing.. pay off your debt and put the remaining money in a savings account. Preferably a 5 year bond so you won't be tempted to touch it. You'll get a great rate of around 5%.

I have no debt . And 5% for a bond isn't worth it. I'll need it before 5 years or other silly periods (best I've seen is 3 years for 4%, interest rates on instant accounts could pick up by then). 5% is awful, I'm sure I used to get that on my instant account :mad:

I've got a lot of it saved though, didn't spend much today

never-in-doubt wrote: »

No mate - they do not. They literally have a system running alongside Experian and it checks applications made - there is no sharing or anything else, it does a parallel scan at application time and flags inconsistencies - that's it.

Then say a week later, after they added a flag, you went and applied to say Natwest - they would do a credit search and at the time of the search N Hunter would flag up an 'applicant refer' marker telling Natwest that you'd lied on the last application, and then there would be a link to that application telling them the differences and it is at this point Natwest decide to agree, decline or CIFAS the application.

The applicant refer flag will remain for 6 years but only really means something in the first 6 months of it appearing, after all it is a warning - not a foolproof system to combat fraud. It basically tells the lender to check in more detail as things differ between this application and the last one (or the previous few if relevant).

Make sense now lol

Oh so my limits aren't going to get cut because of it then, will have to see what HSBC say. On hold to Natwest at the moment, taking them up on their "if you want to talk to us" offer, but if they don't get a move on and answer I'm going out! I'm surprised it's still open at this time!

seeya23

good evening to all note on the tv the wife got csi on lol

never-in-doubt

seeya23 wrote: »

good evening to all note on the tv the wife got csi on lol

Mate use one of your cards to buy a new TV and send her up the stairs lol :rotfl: :rotfl:

CSI - pah!

Notts v Forest on tv at the same time as CSI - who wins? lol

seeya23

never-in-doubt wrote: »

Mate use one of your cards to buy a new TV and send her up the stairs lol :rotfl: :rotfl:

CSI - pah!

Notts v Forest on tv at the same time as CSI - who wins? lol

got a tv up stairs that where i go to watch the football :rotfl::rotfl:

never-in-doubt

seeya23 wrote: »

got a tv up stairs that where i go to watch the football :rotfl::rotfl:

Mate - you're under the thumb!

I have the surround sound and big screen in the living room and so when footy is on, i'm not the one going anywhere lol

My wife is understanding, being I only ever ask to watch a game a couple of times a week and usually i'll sit there and watch whatever she has on so she's cool when I want to watch the odd match.

For instance, we played at the weekend (shockingly enough we never got beat lol) and I was on nights but I told her at 5am that i'd be going to bed til dinner then up to watch the game. I got up at 11am and turned tv over, she made a drink and went upstairs to watch tv.

Match ended, I rung her and told her and she came back down and turned back to some garbage on living or bravo or whatever crap they play nowadays! :rotfl: :rotfl:

TheEffect

You can just watch freeview on your laptop/pc.
http://www.tvcatchup.com/

or if you have an iPod Touch or iPhone
http://iphone.tvcatchup.com/

It's what I do, however it's about 1 minute delayed, however is totally free.

never-in-doubt

TheEffect wrote: »

You can just watch freeview on your laptop/pc.
http://www.tvcatchup.com/

or if you have an iPod Touch or iPhone
http://iphone.tvcatchup.com/

It's what I do, however it's about 1 minute delayed, however is totally free.

Thanks for that link mate - brilliant. I was wanting to know if you could watch freeview on your PC - never thought i'd get the answer on MSE - thanks mate.

Any other good links, like free sport or movies?

I use pirate city for movies and iraqgoals for footy...