The Sub Prime Credit Thread - Part IV

wizzywig27

Thats fine with me :-) just hope going into my overdraft every month does not paint me in a bad light.....but I aint gone over my overdraft so cant see it being a problem, can you?

never-in-doubt

wizzywig27 wrote: »

Thats fine with me :-) just hope going into my overdraft every month does not paint me in a bad light.....but I aint gone over my overdraft so cant see it being a problem, can you?

Even going over your agreed o/d doesn't flag up properly with the CRA's so don't worry about this.

If Tesco, lets assume, see on your CRA you're £200 overdrawn, then when you send a statement in it shows an o/d of only £100 - they'd probably refuse you. If they seen you had a £500 limit - they'd ignore it cos it's within the agreed limits.

Mrs_Ryan

Barclaycard Initial have just told me to bog off

Looks like I'm stuck with the Capital One Classic then...

never-in-doubt

Mrs_Ryan wrote: »

Barclaycard Initial have just told me to bog off

Looks like I'm stuck with the Capital One Classic then...

Unlucky Mrs R - their loss

cifpower

Not in a good mood. Was looking for jobs on Wednesday night and came across one which suited. Printed off my CV yesterday and went to hand it in today. Was told that the vacancy had been filled this morning. :mad:

Zack1

wizzywig27 wrote: »

Yeah no probs chap!

My bank account wont make for good reading, but surely they are just confirming salary etc? Or will they scrutinise my incomings and outgoings?

Haha that's my worst nightmare! All my appeals so far I've never actually sent statements. I don't get them so I'd have to pay to print them, so I just send ministatements sometimes, printscreened from the web, but they just show debits/credits, don't always say what it's for :rotfl: or I just don't bother and send the Student Finance stuff and hope they'll take that and my word for my savings

I'd like to go back over the last 3 months of statements.... the number of betting related transactions probably goes into 4 figures :rotfl:

wizzywig27

never-in-doubt wrote: »

Even going over your agreed o/d doesn't flag up properly with the CRA's so don't worry about this.

If Tesco, lets assume, see on your CRA you're £200 overdrawn, then when you send a statement in it shows an o/d of only £100 - they'd probably refuse you. If they seen you had a £500 limit - they'd ignore it cos it's within the agreed limits.

Ahhh thats good then, no problems there! Now I just need to find my last three months statements! I got a utility bill from N-Power a week or so ago, so thats good!

Mrs_Ryan

thanks NID

They wouldnt even give me a basic bank account so I guess they dont like me

never-in-doubt

Mrs_Ryan wrote: »

thanks NID

They wouldnt even give me a basic bank account so I guess they dont like me

Hiya

Really? Have you considered SARing CIFAS? For Barclays to reject a basic account suggests fraud - that's the only reason they decline people normally.....

wizzywig27

Just contacted Tesco to see if I could send copies of my bank statements in, she said yes, and a copy of your credit file as it is saying there is something on there which we need to see is now resolved....well durrrrr!!

so no appeal for me.....knew it was too good to be true!