The Sub Prime Credit Thread - Part IV

ElkyElky

never-in-doubt wrote: »

Fair play - see what that does mate...... they shouldn't use anything else on the file you send them, in essence you can erase all the rest and just send the part they require so if you've sent the whole report, they should accept you cos it shows them more than they could otherwise see.....

If that was the only reason why they declined then I can't see why they wouldn't accept when they review the decision. I really wanted that card too, not bothered about the limit, just wanted the extra clubcard points so I could exchange to airmiles.

wizzywig27

hey

does anyone have an answer to this please?

http://forums.moneysavingexpert.com/showpost.html?p=27352967&postcount=238

Innocent_Guy

never-in-doubt wrote: »

I know what you mean, other than them adding a cifas on me (lol), they also don't want me but when my searches have dropped i'll be in a better position to apply and see what they say this time! I don't even want to bank with them, just want to see what they say! :D

I have a full LTSB account but don't use it....

Innocent_Guy

ElkyElky wrote: »

I phoned Tesco to ask why I haven't got my card yet. They said they had to decline because of the notice of correction that was on my file, when I was disputing a linked address MBNA added.

I told them it was removed now so they want me to send them the email from Experian and a credit report. Now they'll see all of the lovely searches and probably decline because of that.

Lenders are not allowed to use a NOC flag as adverse. For example the NOC cannot make you decline but the data the NOC relates to can cause a decline? Make sense?

Zack1

Got a reply from HSD, expected it really but thought it was worth a shot!

"I am sorry to say that we are unable to make any exceptions with respect to customers first orders being delivered to their home address.....must have their first order delivered to the registered address on their account for security reasons."

"Your order for the following items has already been despatched to your home address therefore we would not be able to amend this anyway. These items were despatched on 28/11 by courier and will be delivered within 5 - 7 working days. The delivery method is automatically selected as courier and if a courier is not available then Royal Mail will be used therefore you can not select to have orders sent by Royal Mail if a courier operates in your area.

Please accept my apologies and if I can be of any further assistance please contact me."

never-in-doubt

wizzywig27 wrote: »

hey - does anyone have an answer to this please?

http://forums.moneysavingexpert.com/showpost.html?p=27352967&postcount=238

wizzywig27 wrote: »

Just a quick question, my DD for Vanquis is due out on the 28th (my payment due date) and will go out no problem as funds are in there. However in the 26th I called and paid the amound spent on my last statement (£189) - she said this will not hit my account until the 1st Dec - wil they report back to CRA that I paid in full or just the minimum? Also will I pay interest next month?

Cheers

They will report that you paid the full amount, they don't update the CRA's the same day as payment is made or you can cheat the system (for instance cancel the DD the day before so it shows as a credit but later debits again).....

I'd not worry too much about this reporting anyway, it doesn't really matter that much - to beat the system simply pay minimum via DD and the day after pay an extra £10 or whatever to make the update read as paying extra (than the minimum)...

duggie1982

So NID since im with RBS for a few years is it best to go to the branch for an 'account review' and not have a credit search done but told what i could possibly have??

ElkyElky

Innocent_Guy wrote: »

Lenders are not allowed to use a NOC flag as adverse. For example the NOC cannot make you decline but the data the NOC relates to can cause a decline? Make sense?

Yeah I fully understand. The woman on the phone specifically said "you were declined because of the NOC", perhaps she may have got her words wrong but if they still decline after me sending my credit report, I'll make a complaint.

ElkyElky

Uh oh

Just tried checking my BOS credit card on the online banking and got the message:

Access restricted

Important information:
We should like to discuss your account with you and would be grateful if you could contact us at your earliest convenience. Please call 0845 729 3949 and be ready to give your card account details. h2x cardholders, please call 0845 850 0429. Please be aware that authorisations on your account may be declined.

cifpower

Ooooh! What have you done!

Give them a call and report back