The Sub Prime Credit Thread - Part IV

sutton111

Yea. I don't think HSBC, Barclays or A&L use Equifax for current account.

seeya23

sutton111 wrote: »

HAve you applied for anything recently?

just a next account with a £250 limit

never-in-doubt

sutton111 wrote: »

Yea. I don't think HSBC, Barclays or A&L use Equifax for current account.

Barclays and HSBC both use Equifax mate - well they did with me (as well as the standard Experian search)!

As for A&L they used to search Experian, is this the same now they are Santander? I dunno mate!

Bear in mind HSBC and Barclays both use CallCredit as well now.

Also Vanquis use Experian so you'd only be able to apply for Sygma branded stuff or the like, assuming you want a Equifax search mate?

sutton111

seeya23 wrote: »

just a next account with a £250 limit

Watch that go up and down!!

never-in-doubt

sutton111 wrote: »

Watch that go up and down!!

and disappear altogether too lol :rotfl: :rotfl:

sutton111

never-in-doubt wrote: »

and disappear altogether too lol :rotfl: :rotfl:

Yea. I think they've employed Paul Daniels!! :rotfl::rotfl:

Zack1

never-in-doubt wrote: »

Application Verification Unit - they overrule whatever automated decisions have been made. So like me, I apply and get accepted every time (for RBS branded products) but when I send the agreement back AVU overturn the accept and decline me.

They are like St Peter waiting at the gates ready to reject the bad ones! :rotfl:

:rotfl: Haha!!!

Ooooh I just remembered, I'm due a reply from MBNA soon! I'm fairly certain that I'm right in saying "Sygma Bank UK" are different from MBNA aren't they? I have an appeal saved on here RE: the JJB card, it's saved as "MBNA Appeal Dec 2009", but it clearly isn't, so I don't know what I've appealed for! If I really did send that to MBNA then they've obviously tracked down my last app (hopefully England card!) and are looking into getting me that, I really don't know! Hopefully I get a nice shiny credit card put in my postbox next week!

Oh and who was it who told me to work instead of go out one time?:p Had an exam the other day and the email came through saying our results are online..... logged in and hunted them down (that takes forever!), need 40% to pass, anyone want to guess what I got? :rotfl:

never-in-doubt

Zack1 wrote: »

Oh and who was it who told me to work instead of go out one time?:p Had an exam the other day and the email came through saying our results are online..... logged in and hunted them down (that takes forever!), need 40% to pass, anyone want to guess what I got? :rotfl:

LOL, if its the time when you couldn't be arsed getting up i'd guess 0% mate :rotfl::rotfl:

BUT knowing you, 68%

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never-in-doubt

Hi Guys

Anyone here an expert on Barclays (applying)...?

Barclays Bank Account

Cheers :beer: :beer:

Zack1

never-in-doubt wrote: »

LOL, if its the time when you couldn't be arsed getting up i'd guess 0% mate :rotfl::rotfl:

BUT knowing you, 68%

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LOL!! :rotfl::rotfl:

41% :rotfl:

I'm amazed I got that TBH, only a few that I knew 100% I'd got right, and that's because I knew years ago ("What does GUI stand for" is one that sticks in my head!!)