The Sub Prime Credit Thread - Part IV

doelani

PROLIANT wrote: »

6 Months @ 0%.
Will move my Natwest Balance over as I don't have 0% BT on that card, but get 4% on purchases for 9 Months. :beer:

Just double check your first statement, as I know you will lol they forgot to give me 0% on first statement and I had to ring to remind them :rotfl:

Zack1

edinburgher wrote: »

Celebrating my first debt free birthday in 9 years today GF is cooking me a steak that's about 2" thick for tea!

Edit: Glad to see the trolling has stopped.

Glad you're debt free I've never been in debt, I'm just here because I'm a student and banks hate me, but can imagine it must be such a relief to be free from debt! I've seen stories of people paying £20+ in interest every day and other ridiculous amounts! Must be such a burden!

Enjoy your stake haha!

spiritual1_2

Helllllooo just wanted to say thankyou to the subprime gang, ive been readin these posts for years VERY INFORMATIVE, and its helped me loads, in my early 20s had 8 credit cards on the go and 2 bank loans, every time i was skint i took out £250, didnt end well and had an iva as a resulta aswell as ccjs and defaults, through havin everythin to not bein able to get nowt u dont have gain an appreciation for things uve lost...... and im sooo clued up with this industry now and its 99% thanks to the subprime gang in here, underground, proliant and never in doubt, are the main names that have stuck these past years, so much appreciated for all the info peeps, the only negative info i have on my file now is a default for £350 from 2005 satisfied albeit showin as debt assigned, i manged to successfuly join the sygma gang a gang i would never of gotten into had it not been for THIS FORUM AND THREAD, so im very pleased £1000 at 24.9% best ive had in years been a busy week this one cap 1 approved me for there progression card £300 initial limit etc aqua approved me for theres £600 and id picked up my vanquis in january at £500, i really feel like im gettin back up there now, my plan is run these 4 cc's sweet till june next year when my final negative default of £350 dissapears and im aimin for a a1 file by then but yeah i would of kept goin the mainstream routes and kept gettin knocked back and never really gettin anywhere if it wasnt thanks to the education ive gained through this forum, so BIG THANKS TO ALL theres a heck of a lot of people ill bet like myself that have benefited DRAMATICALLY from this thread....they just havent gotten around to saying THANKYOU yet...:j :beer: :T :A

alanriley

Just a quick question, mainly for Never in doubt but anyone whi can help.
I posted a while back regarding late payment marks on an old British Gas account which is now sorted thanks to nid and also 2 defaults registered for one debt at 2 different addresses and 2 different amounts being £1600and £2500 same debt and account number. The DCA is Cabot and after reading a few posts this seems to happen a lot with them.
Anyway sent letter from nid to cabot with no reply so far so raised an online query with Equifax. Cabot have iinstructed them to remove the 1600 entry and asked me to contact directly on 01752 tel no to discuss the other directly. Equifax have put dispute notice on my report but what are chances of the other entry being removed. Any help appreciated :money:

never-in-doubt

alanriley wrote: »

Just a quick question, mainly for Never in doubt but anyone whi can help.
I posted a while back regarding late payment marks on an old British Gas account which is now sorted thanks to nid and also 2 defaults registered for one debt at 2 different addresses and 2 different amounts being £1600and £2500 same debt and account number. The DCA is Cabot and after reading a few posts this seems to happen a lot with them.
Anyway sent letter from nid to cabot with no reply so far so raised an online query with Equifax. Cabot have iinstructed them to remove the 1600 entry and asked me to contact directly on 01752 tel no to discuss the other directly. Equifax have put dispute notice on my report but what are chances of the other entry being removed. Any help appreciated :money:

I thought we'd already beaten them mate? Wasn't it this? #2856

PM me details and i'll sort it for you... :D

alanriley

never-in-doubt wrote: »

I thought we'd already beaten them mate?

PM me details and i'll sort it for you... :D

Still ongoing.
Cabot sent reply to Equifax today saying that I only have one account not 2 so remove one entry but other is still there in fact as of today they both are. Notice on Equifax says that data is disputed and advises lenders to check carefully regarding my credit worthyness as opposed to taking on board the defaults. Sent your template letter to Cabot but nothing back, on Equifax update it just says, advise consumer to contact us directly on 01752 blah blah blah to discuss repayment.
What details do you need by PM

alanriley

The post you quoted is indeed the one, as a new user I couldn't use it in my post

never-in-doubt

leave this with me..... i'll be back later ok..?

They_Were_Up_In_Arms

adriaaaaaaan!!!

kilasuit

good ole samaritain NID.

Always on hand to help.

Lots of ppl on here would be have been rather stuck without ya!