The Sub Prime Credit Thread - Part IV

Innocent_Guy

Zack1 wrote: »

Thanks. I'll send a secure message in a bit

OMG, just got a email on my student account from BOC, will I'm not sure if it's them... The subject is "Force.com Sandbox: Thank you for your application". The message is:

Dear Mr Zack

Thank you for applying to open an Online Personal Current Account. Your application is now being processed.


Your unique application reference is xxxxxxxxxxxxx. Please always quote this reference
when you contact us.

As you have chosen to send the opening deposit of £10.00 electronically, please use details below :

If sending funds from another bank account in the UK :

Sort code: xxxxxxx
Account number: xxxxxxxxxxxxxxx
Reference: xxxxxxxxxxxxxxxxxxx

If sending funds from an overseas account :

We require a copy of identification (e.g. passport/driving licence) from each applicant.

All documents provided should be certified as true copies of the original by either your current bankers, a solicitor or an accountant.

As you are student we require you to send us a copy of your enrolment letter from your college or university detailing the course being studied and expected completion date.

If you are eligible to receive interest without tax being deducted, please return the R85/R105 forms, quoting xxxxxxxxxxxxxxxx to the address below for processing. If you have not already downloaded these forms please follow the links below.
http://www.hmrc.gov.uk/forms/r85.pdf
http://www.hmrc.gov.uk/forms/r105.pdf

Please send any required documentation and your deposit if by cheque to the following address :
Customer Service
Bank of Cyprus UK
PO Box 17484
London
N14 5WH


If your application is successful and once your opening deposit is received, we will write to you to confirm that your account has been opened.

But they've told me weeks ago I was rejected :eek:

Call them mate, only way to clarify.

ElkyElky

Zack1 wrote: »

Some people just have nothing better to do with their lives than insult people online....:mad:

Just phoned Cap1....When I wanted to know what account I've got they said Capital One!! When I explained how there are 4 cards and which do I have he seemed to understand and looked it up, it took ages and he put my on hold, so I guess something isn't right!! Still on hold now....

ARGH!!!!!!!! Talk about talking to a brick wall.... I've got a progress card (and he explained about the rate going down), that's why it took them a lifetime to check "as it was opened in 2009" , that's not long ago!! So I said ok shouldn't my limit be £500 then, so he said yea on the 4th statement it will go up to £500, so I said yea but I've just had the 4th statement and it went from £100 to £200, so when will it go to £500, he said they'll write to me etc so I said well can't it go to £500 now as the internet says it's £500 minimum limit, so why have I been on £100 for 4 months and now £200. He just said that's the "offer" available now, but when I took out my account I go by whatever offer was available then.... I'm pretty sure £200 wasn't minimum limit when I took out my account though!! Is it worth emailing them?

Anyone know what their hold music is? It's just one song that played over and over! I'm pretty sure it used to be on the Lloyds adverts - kinda ironic they're using it!!

So, like me, you were given a limit completely different to the limit stated in the cards summary box.

I was supposed to get a minimum of £500 also.

I will be getting an increase next month and if it isn't the £500 they stated, I'll be taking it further. False advertisement!

Zack1

ElkyElky wrote: »

So, like me, you were given a limit completely different to the limit stated in the cards summary box.

I was supposed to get a minimum of £500 also.

I will be getting an increase next month and if it isn't the £500 they stated, I'll be taking it further. False advertisement!

Are you on your 3rd month at the moment then? How much are you on now? To be fair I know for a fact I never applied for that one!! The APR decrease means nothing to me so I wouldn't have gone for it as, although it's a higher limit, it's harder to get, and most people hate students as it is!

Didn't you email them about it a while back?

.1xp

Was declined for a Tesco credit card, do you think it would be wise to appeal and send copies of my vanquis statements for past six months? Would they re-consider seeing that I have run the account perfectly?

seeya23

just been on coral to put my footballs bet on play a game and won £130 get in send it back on my card

cifpower

Received a letter from The Coventry this morning declining me the account.

Ah well.

seeya23

cifpower wrote: »

Received a letter from The Coventry this morning declining me the account.

Ah well.

sorry to hear that cif

Zack1

seeya23 wrote: »

just been on coral to put my footballs bet on play a game and won £130 get in send it back on my card

Haha well done! I don't trust online games though, they're fixed.... It's legal too.... "long term averages".... a lot of the time you will get beginners "luck" to hook you, then they fleece you. Hence why I go for the bonuses only at many different sites, complete them and win some more and then they never see me again

seeya23

Zack1 wrote: »

Haha well done! I don't trust online games though, they're fixed.... It's legal too.... "long term averages".... a lot of the time you will get beginners "luck" to hook you, then they fleece you. Hence why I go for the bonuses only at many different sites, complete them and win some more and then they never see me again

first time i ve play games in over a year just when on to do my football bets and waiting for the football to come on tv

Zack1

seeya23 wrote: »

first time i ve play games in over a year just when on to do my football bets and waiting for the football to come on tv

Yep, that's why you won so much then!