The Sub Prime Credit Thread - Part IV

seeya23

im off to adinkerke at the weekend to get some tobacco it.s only £3.25 there cost here is over £10 a pack

Zack1

never-in-doubt wrote: »

Natwest (RBS) score applications as you go along (ive told you this recently lol)...... so you may well click that you want a key account whatever but they may well search for a full account, if successful you'll get it - if not, then they will just give you the account applied for, i.e. key account.

Certain lenders do report basic accounts, this is something I am appealing with the ICO and will take this to court if necessary. I've been on this for a few weeks now, basically a basic account offers no credit so therefore should NOT be credit scored nor should the conduct be reported, also other banks don't appreciate it as they cannot differentiate between basic and full accounts being basic accounts should not be reporting.

I reported this and RBS/Barclays to the ICO and have also issued Barclays a pack that demands an explanation as to where in their basic account it says they will report the account conduct to the CRA's - it doesn't, therefore they cannot share your data.

It is ongoing, i'm still on the case!

Haha thanks, I do totally agree with that by the way, but while they are still reported would opening a basic account adversely affect me (recent opening date, about 5 bank accounts in total?) or would it only be a positive (becuase I can only possibly rack up 0's!)

Got my letter from Halifax, bunch of BS about credit scoring and that I did not pass the qualifying tests - my "total score is below the approval level we use to decide whether or not to offer a current account. We have not refused your application because of one factor alone." - so that means it wasn't a N Hunter flag?

Anyone know the address for Halifax appeals? It says contact my branch ("We are willing to reconsider our decision" if further info can be supplied, please contact your branch for more information), I don't have a branch!! :mad:

never-in-doubt

seeya23 wrote: »

im off to adinkerke at the weekend to get some tobacco it.s only £3.25 there cost here is over £10 a pack

gonna buy me some regal mate? :beer::beer:

cifpower

Zack1 wrote: »

Haha thanks, I do totally agree with that by the way, but while they are still reported would opening a basic account adversely affect me (recent opening date, about 5 bank accounts in total?) or would it only be a positive (becuase I can only possibly rack up 0's!)

Got my letter from Halifax, bunch of BS about credit scoring and that I did not pass the qualifying tests - my "total score is below the approval level we use to decide whether or not to offer a current account. We have not refused your application because of one factor alone." - so that means it wasn't a N Hunter flag?

Anyone know the address for Halifax appeals? It says contact my branch ("We are willing to reconsider our decision" if further info can be supplied, please contact your branch for more information), I don't have a branch!! :mad:

Your branch would be the address at the top of the letter

Zack1

cifpower wrote: »

Your branch would be the address at the top of the letter

Ah they've given me one in Bath because my home address is there. So I just write my appeal to that address then?

never-in-doubt

Zack1 wrote: »

Anyone know the address for Halifax appeals? It says contact my branch ("We are willing to reconsider our decision" if further info can be supplied, please contact your branch for more information), I don't have a branch!! :mad:

Yea, either Lovell Park Leeds, or the Cardiff one or your branch....

Its their application appeal dept (underwriting).

seeya23

oh well capone have put my wife apr up to 39.9% she got the letter today

cifpower

Zack1 wrote: »

Ah they've given me one in Bath because my home address is there. So I just write my appeal to that address then?

Yup. It will then be forwarded in the internal mail to the correct department.

cifpower

seeya23 wrote: »

oh well capone have put my wife apr up to 39.9% she got the letter today

What CapOne card does she have?

seeya23

cifpower wrote: »

What CapOne card does she have?

the classic credit card