The Sub Prime Credit Thread - Part IV

big_Daddy_Dave

Thank you for applying for an Alliance & Leicester Premier 21 Current Account.

We have considered your application carefully. Unfortunately, your application has not been successful.

We will send you confirmation of our decision by the next first-class post. This message is for information only. You cannot reply to this message by email.


ahh well loks like i cant even get a bank account

TheEffect

First Direct annoyed me a little.

They sent me a 'Customer update information' form which arrived Thursday. I thought that it was all I had to sign and return, however friday they sent me the 1st account application to sign as well as a second information update form.

I posted the application back yesterday, so hoping to get a decision next week.

seeya23

big_Daddy_Dave wrote: »

still nothing from A&L, applied yesterday monring now i wont hear till next week

i guess its not looking good

anyone know if you can setup direct debits on a post office card account?

i dont think you can but ask at post office

cifpower

seeya23 wrote: »

i dont think you can but ask at post office

You can't but if the Tories win the election you will be able to for utility companies. PO Card Accounts can only be used for crediting of benefits and withdrawls at the PO

telecomengineer

telecomengineer wrote: »

I might do....what should I say in the appeal letter?

Could this be another dangle the carrot though...

applied online this morning for the Barclaycard Initial and again after the 60 second thing it said I had been accepted and my card would be with me in 5 days...is this likely to be reversed..ha ha

I think the Barclaycard is a better option anyway as it has a min limit of £250 and the rates are lower.

Just to let you know Barclaycard searched both my Equifax & Experian files as did Capital One...seems Capital One do some extra unrecorded searches though

seeya23

telecomengineer wrote: »

telecomengineer wrote: »

I might do....what should I say in the appeal letter?

Could this be another dangle the carrot though...

applied online this morning for the Barclaycard Initial and again after the 60 second thing it said I had been accepted and my card would be with me in 5 days...is this likely to be reversed..ha ha

I think the Barclaycard is a better option anyway as it has a min limit of £250 and the rates are lower.

Just to let you know Barclaycard searched both my Equifax & Experian files as did Capital One...seems Capital One do some extra unrecorded searches though

my wife apply for Barclaycard Initial she was accepted she got a email a few days later telling her limit

telecomengineer

seeya23 wrote: »

telecomengineer wrote: »

my wife apply for Barclaycard Initial she was accepted she got a email a few days later telling her limit

Was this email sent after being already accepted online after the 60 second search thing...or was it a we'll let you know in a few days then this rmail was sent?

seeya23

telecomengineer wrote: »

seeya23 wrote: »

Was this email sent after being already accepted online after the 60 second search thing...

it was send a few days after being accepted online after 60 second thing saying you been
accepted

izools

telecomengineer wrote: »

I might do....what should I say in the appeal letter?

Could this be another dangle the carrot though...

applied online this morning for the Barclaycard Initial and again after the 60 second thing it said I had been accepted and my card would be with me in 5 days...is this likely to be reversed..ha ha

I think the Barclaycard is a better option anyway as it has a min limit of £250 and the rates are lower.

Thanks

Yeah, that'll go through fine. They don't screw people around as much as Capital One do. Congrats! Seem Capital One declining you was a good thing, as it spurred you on to be approved for a better card

plumber2009

Applied to switch to first direct from A/L

Phoned them on sat and was declined. Was told to contact Experien to find out why i was declined. Why would i contact Experien when they wont tell me anything that i dont already know. Idiots.

I guess they dont want my 40k+ salary then.

I will wait for the letter to come through to find out where to send an appeals letter.