The Sub Prime Credit Thread - Part IV

mawey

Not posted on here since May last year, but took your advice laid off the search's and Just been granted a new Barclay Card with a £2,000.00 limit. Also found out that I can now get a Morgage

seeya23

mawey wrote: »

Not posted on here since May last year, but took your advice laid off the search's and Just been granted a new Barclay Card with a £2,000.00 limit. Also found out that I can now get a Morgage

well done mate things are on the way up for you

yenool

Innocent_Guy wrote: »

Usually when you sign the credit agreement online you have been accepted however I wouldn't hold your breath until the card drops through the letterbox :-)

ive them a call
For existing application enquiries telephone 0800 952 5452

Line open 8.00am - 9pm Monday to Friday, 8.30am - 5.30pm Saturday

Thanks x2. I will give them another few days before calling though.... I only applied on saturday!

seeya23

yenool wrote: »

Thanks x2. I will give them another few days before calling though.... I only applied on saturday!

i called the next day when i apply and was told i got it with only £100 limit

yenool

seeya23 wrote: »

i called the next day when i apply and was told i got it with only £100 limit

Thing is I am fully expecting to be declined due to having old defaults on my credit files. I applied early last year and was declined straightt away, but this time I had to ''sign'' the online agreement but then it went on to tell me bout further checks.......... so I don't know, I wasn't on the electoral roll last year but I am now, maybe that is the difference.

I don't really want to phone unless I have to, because being told you have been declined over the phone is a bit embarrassing really isn't it?

ElkyElky

yenool wrote: »

Thing is I am fully expecting to be declined due to having old defaults on my credit files. I applied early last year and was declined straightt away, but this time I had to ''sign'' the online agreement but then it went on to tell me bout further checks.......... so I don't know, I wasn't on the electoral roll last year but I am now, maybe that is the difference.

I don't really want to phone unless I have to, because being told you have been declined over the phone is a bit embarrassing really isn't it?

Nah not embarrassing. I'm sure they tell hundreds of people each day they've been declined, and it doesn't necessarily mean you're untrustworthy.

yenool

ElkyElky wrote: »

Nah not embarrassing. I'm sure they tell hundreds of people each day they've been declined, and it doesn't necessarily mean you're untrustworthy.

woohoo, my pin has just arrived in the post, if the letter is to be believed my card will follow shortly!

ElkyElky

yenool wrote: »

woohoo, my pin has just arrived in the post, if the letter is to be believed my card will follow shortly!

Excellent! Congratulations.

never-in-doubt

You know you have a CIFAS when you get the following :rotfl::rotfl::rotfl:



So, the link they refer to is here: https://www.cao.tescofinance.com/cao/external/tpf/displayHelp.do?HelpItemId=HI_AY100-0001

And to quote:

Fraud Prevention Agencies

If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies.
We may also obtain information about you from fraud prevention agencies.

Cash_Flow

never-in-doubt wrote: »

You know you have a CIFAS when you get the following :rotfl::rotfl::rotfl:



So, the link they refer to is here: https://www.cao.tescofinance.com/cao/external/tpf/displayHelp.do?HelpItemId=HI_AY100-0001

And to quote:

What happened mate?

Did you apply today?