The Sub Prime Credit Thread - Part IV

piglet39

Hi - just some info for you lovely peeps.

I just got accepted for Vanquis £250 limit and 39.9% interest rate :eek:

piglet39

Sorry - hit enter before I had finished LOL. My credit report shows 2 CCJ's £160 (long since paid but I haven't applied for the cert yet) dating back to 2006 and another CCJ at £3240 (being paid off at the mo) in Jan 2007. Also 2 defaults in 2005 and 2006 - 1 satisfied and 1 in the process of being paid and both around the £300 at the time of default.

Just wanted to post that because there seems to be no rhyme or reason as to why some are accepted and some not. Extra info: have been working ft for over 1 year and am council tenant.

Anyways, I shall only be spending about £60 per month on it for petrol and wil pay it off religiously. Hopefully this will all help my 'credit worthiness' when I have finished paying off my debts - Sept 2011!

Piglet

ElkyElky

izools wrote: »

=ElkyElky You'll be fine, good luck with your driving test. (As irony has it I'm watching the episode of South Park at the moment featuring the old people killing everyone and having their driving licences revoked...

LOL That's an amazing episode.

I will fail, my instructor got a new car yesterday and I've only driven it once. I stalled a lot.

never-in-doubt

PARIS_5000 wrote: »

Has anyone sold a phone on mazma moblie because I am thinking off selling my phone but just want to make sure that they are legit before I post my phone to them.

Best site to check is this: http://www.mobilephonerecycling.co.uk/

It searches all the companies for you, I personally found (within that link) http://www.mobilephonexchange.co.uk/ to be the best

never-in-doubt

ElkyElky wrote: »

I'm going to fail my driving test tomorrow.

My god talk about being pessimistic mate! :eek::eek:

ElkyElky

never-in-doubt wrote: »

My god talk about being pessimistic mate! :eek::eek:

LOL. :rotfl:

I've put my kilt on to bribe that examiner, I hear I'm getting a female. :eek:

seeya23

ElkyElky wrote: »

LOL. :rotfl:

I've put my kilt on to bribe that examiner, I hear I'm getting a female. :eek:

good luck for today

ElkyElky

seeya23 wrote: »

good luck for today

Thanks. :beer:

izools

sutton111 wrote: »

When did you last apply for Argos?

I just want some Boxing equipment and don't want to fork out too much.

A few years ago before going bankrupt. Applied when I was 18, again when I was 20. Obvs very limit history when I was 18, but had two years flawless payment history over two credit cards, a store account, and a mobile, when I applied at age 20... so not really sure why they declined me second time given I was approved for a mortgage a few months later...

never-in-doubt

ElkyElky wrote: »

LOL. :rotfl:

I've put my kilt on to bribe that examiner, I hear I'm getting a female. :eek:

LOL - get in there my son! :rotfl: :rotfl:

Still nothing from Bank of Cyprus - gulp, maybe it's a decline then (no email yet)..... anyone else had an email/heard anything yet?