The Sub Prime Credit Thread - Part IV

Innocent_Guy

I am going to Santander today to close my accounts. I do not want access to 2.5k of overdraft and have too many active credit accounts. I currently hold 3 accounts with them and may close all three

seeya23

Beccy wrote: »

How can you check if you are on the electoral roll apart from through a CRA?

tia

go to your main librarie and have a look at it for free

Aaron44

I also applied for Aqua at the same time and that was turned down, so looks like theyre the strictest of the 3 sub prime between Vanquis, Cap1 & Aqua

telecomengineer

Innocent_Guy wrote: »

As suggested by Seeya I would take the chance and apply again now :beer:

which would be best to try though, Capital One or Vanquis not going to waste 2 searches?

seeya23

telecomengineer wrote: »

which would be best to try though, Capital One or Vanquis not going to waste 2 searches?

i would apply for both that what i did and i got them

kilasuit

Got my Aqua card 2day £300 limit as expected.

Zack1

kilasuit wrote: »

Got my Aqua card 2day £300 limit as expected.

Haha that's ok limit Better than I'll ever get with Cap1 anyway! Are they good with increases? I might try for them....

Hahaha my Capital One statement for this month is currently £0 haha, because I maxed the card out last month and the payment has only just gone through. Thinking of buying my train tickets on it Monday, that's only £12... might be going for some alcohol shopping though.... that would be my last chance to use it this month (23rd is statement date)... how close to the £100 can I get this month, if it involves alcohol shopping I'm thinking quite close...:rotfl:

Aaron44

Can anyone please suggest the most likely Bank that would offer a 'like for like' account swap?

Basically im with Barclays, no OD or anything but it's a full current account, so DD/SO facility and full Visa debit card - but they have been winding me up recently, and their customer service (over the phone) can be highly irritating.

I applied at Lloyds but they said I couldn't apply as I am apparently a discharged Bankrupt - ive certainly never been Bankrupt but was discharged from an IVA 3 years ago so guess they're bundling the 2 together?

So, could someone please recommend me an alternate bank? I really don't want to have to move onto a basic account as they used too (possibly still do) only give out an Electron card which can be a bit of a pain sometimes buying online!

Advice appreciated.,

plumber2009

HSBC or First Direct. Dont goto Natwest, A/L or Halifax.

Aaron44

Hi Plumber2009,

Thanks for the reply, is there any particular reason? Are they more likely to accept me, of is it a case that the others you've mentioned there are poor?

Thanks