The Sub Prime Credit Thread - Part IV

kilasuit

wizzywig27 wrote: »

haha, no, when I moved to Spain, I took the phone with me, and used it, was silly, but at that time I thought I would be in Spain for years

Take it your were stung by the Roaming costs then

izools wrote: »

I didn't get an email from Barclaycard, despite including my addy in the online application -

I found out the limit early by doing something VERY risky - I called to ask the limit and they said they can't tell me until the card arrives and it's activated and I said it's already arrived I just don't have it to hand - so they activated it whilst it was still in the post and told me £1,150 -

Stupid impatient thing to do on my part, could've been swiped by the postie and I wouldn't have a leg to stand on but thankfully it didn't :beer:

Tbh y cudnt you just wait??

never-in-doubt

izools wrote: »

Remember we're talking about Barclaycard here - offshore, barclays group, what more is to be said?

And you re-opened your account with them mate? WHY?

Are you like totally mad :rotfl: :rotfl: :rotfl:

wizzywig27

kilasuit wrote: »

Take it your were stung by the Roaming costs then

Yeah, we live and learn

kilasuit

do sygma give instant decisions?

izools

in response to kilasuit and niddy's questions -

I'm totally bonkers. Frivolous within (somewhat demented) reason!

(You have to be to survive on the scene...)

wizzywig27

kilasuit wrote: »

do sygma give instant decisions?

Think so, but I never had one from them, two declines so far

wizzywig27

Can I ask again, cos I didnt really get much of an idea last time...


my mate is looking for an account, he has a settle CCJ for about 1k to HSBC which is about 4 years old (since it was setted) - he applied for Co-op basic account and they declined him - anyone got any ideas of an account he can go for? all he wants is a debit card!

Edit: Co op declined him a few years ago!

izools

wizzywig27 wrote: »

Can I ask again, cos I didnt really get much of an idea last time...


my mate is looking for an account, he has a settle CCJ for about 1k to HSBC which is about 4 years old (since it was setted) - he applied for Co-op basic account and they declined him - anyone got any ideas of an account he can go for? all he wants is a debit card!

Edit: Co op declined him a few years ago!

Can't say for sure, but one of my mother's old friends was given a Natwest account last June, with one satisfied CCJ 4 1/2 years old, one outstanding default 5 years old, and one settled default 5 1/2 years old. (She was sent a Solo card and went into branch all dowey eyed and said "I think you've sent the wrong card out"... they issued a service card there and then :rotfl: )

She did however have an up to date mortgage account three years old and up to date capital one account three years old, along with a T-Mobile contract about two years old.

If he's not rebuilt some recent positive credit history then chances are slim - Co_operative approved me for the cashminder even as an undischarged bankrupt - did he apply for the cashminder or the lowest current account? Cashminder applications can only be done over the phone

wizzywig27

he has a T-Mobile account for 18 months, paid on time every month, I have advised the Barclays Basic account to him

Just asked him, what a fool, he has never been on voters roll, idiot!

izools

wizzywig27 wrote: »

he has a T-Mobile account for 18 months, paid on time every month, I have advised the Barclays Basic account to him

Good move - they don't credit check - but be careful, they have been known to close cash accounts when they get their first monthly CAIS update. They did this to my ex.