The Sub Prime Credit Thread - Part IV

Mrs_Ryan

Woo-hoo! Vodafone have given me a contract (ok, its only a SIM-only, but its a start ) £20 a month for 12 months, 900 mins, 300 texts and 500 mb internet.
Thats all I wanted cos I was fed up of topping up every 5 minutes and havent long got a new phone.

And I paid off 90% of my Money Shop millstone this morning!! :j I'm getting there...

never-in-doubt

OI - did you miss the part where I did suggest you! LOL

I'm glad you even took the same approach as me with the Linux and paypal stuff...... good man :T

never-in-doubt wrote: »

ecommerce is a nightmare mate - Proliant would be your best bet (Zack dropped out lol) :rotfl:

PROLIANT wrote: »

Hello mate, I run an online ecommerce micro-business, also I work in IT and have extensive knowledge of designing, implementing and setup of Web servers, ecommerce systems etc.
My recommendation to you is as follows;

1. Setup a PayPal business account.
2. Find a Linux based hosting provider, I recommend www.justhostme.co.uk which will cost you circa £25 per annum.
3. Choose a domain name.
4. Setup the domain, DNS, Email etc.
5. Download an open source Ecommerce system like Zen Cart, Prestashop and install this on the web server.
6. Begin skinning or customizing the shop.
7. Setup PayPal as your payment gateway using your new PayPal account.
8. Start adding stock, photos of goods etc to the site.
9. Test the system end to end by creating dummy orders and using the PayPal sandbox you can create end to end orders without generating real transactions.
10. Your ready to go.

I can help you if you wish, just let me know.

izools

Zack1 wrote: »

So would I be right in thinking I'd have more chance of getting the Diamond one, as there is a potential to give me 60%, rather than the main Vanquis which is 40% max I believe? So if I was borderline at Vanquis I'd be rejected, whereas at Diamond I'd get offered a small limit on 59.9%?

Oh and I've worked out why Natwest doesn't work, they banned me because someone has tried to setup a payment on my account....they say I shouldn't use my card reader at login as that would be why - but I never have, as I remember seeing the signs saying it a few weeks ago so never would . I had to "reactive" my card reader a few days ago, can't remember why but that might be something to do with the virus they say I've got (I'm scanning now and have found nothing so far), but I said that to her and she didn't sound shocked or anything to re-activation must be normal (as I thought, or I wouldn't have done it). They say I can re-register whenever and should check other banks, but Halifax was fine this morning, and if my PC really has got a virus I don't want to go and login to that again now!

No mate, they are scored the same, they both offer APRs upto 59.9% APR.

The Black Diamond is advertised with a lower "typical" APR because on average people with a higher score apply for it

All Vanquis credit cards offer between 19.9% APR and 59.9% APR depending on the score of the applicant - the Vanquis Bank card targeting people with bad credit is advertised with a higher typical APR because their customers have lower scores than the other brands so fall into higher APR gradings

PROLIANT

Just done my first ever Balance transfer to Natwest today, Monument and Capital One gone.
All I need now is my loan to clear the catalogues and finance then I am sorted.

never-in-doubt

PROLIANT wrote: »

Just done my first ever Balance transfer to Natwest today, Monument and Capital One gone.
All I need now is my loan to clear the catalogues and finance then I am sorted.

did you get a loan sorted? If so, who from mate?

izools

You still had a monument card? Cor they've not been accepting applications for years!

Congrats on the new card; bet you'll be glad to see the back of Crap 1

Aren't the catalogues interest free if you clear them within a year?

fairmorn308

PROLIANT wrote: »

Hello mate, I run an online ecommerce micro-business, also I work in IT and have extensive knowledge of designing, implementing and setup of Web servers, ecommerce systems etc.
My recommendation to you is as follows;

1. Setup a PayPal business account.
2. Find a Linux based hosting provider, I recommend www.justhostme.co.uk which will cost you circa £25 per annum.
3. Choose a domain name.
4. Setup the domain, DNS, Email etc.
5. Download an open source Ecommerce system like Zen Cart, Prestashop and install this on the web server.
6. Begin skinning or customizing the shop.
7. Setup PayPal as your payment gateway using your new PayPal account.
8. Start adding stock, photos of goods etc to the site.
9. Test the system end to end by creating dummy orders and using the PayPal sandbox you can create end to end orders without generating real transactions.
10. Your ready to go.

I can help you if you wish, just let me know.

Hiya mate

thats would be great. Are you on msn as would make conversation regarding matter alot quicker and easier. Thanks for help

PROLIANT

izools wrote: »

You still had a monument card? Cor they've not been accepting applications for years!

Congrats on the new card; bet you'll be glad to see the back of Crap 1

Aren't the catalogues interest free if you clear them within a year?

Cats are interest free until Sept this year then wham! Big APR so no further apps so I can try for loan.

PROLIANT

never-in-doubt wrote: »

did you get a loan sorted? If so, who from mate?

No Loan yet mate, will try Natwest after I have banked with them for 6 month as they search Equifax.

PROLIANT

fairmorn308 wrote: »

Hiya mate

thats would be great. Are you on msn as would make conversation regarding matter alot quicker and easier. Thanks for help

Ok no probs, I have sent you a PM with my MSN addy.