The Sub Prime Credit Thread - Part IV

never-in-doubt

Brian1966 wrote: »

Just thanked... get my defaults removed and I will be on my knees...forever in your debt :rotfl::rotfl:

On your knees eh.... that a promise big boy :whistle::whistle::whistle:

Brian1966

never-in-doubt wrote: »

Mate I know where you're from thus my insult worked :rotfl::rotfl::rotfl:

Hahahah - sorry mate don't bite.... its like you calling me English, or a Celtic fan :mad::mad::mad:

Don't tell me...you support St Johnstone :rotfl:

Brian1966

never-in-doubt wrote: »

On your knees eh.... that a promise big boy :whistle::whistle::whistle:

You name the public toilet I will be there once my credit report is clean :rotfl::rotfl::eek:

never-in-doubt

Brian1966 wrote: »

You name the public toilet I will be there once my credit report is clean :rotfl::rotfl::eek:

Mate I have a challenge for you - here you go: #1605

Enjoy - you'll love it there, flirt to your hearts content! :rotfl::rotfl:

Brian1966

never-in-doubt wrote: »

Mate I have a challenge for you - here you go: #1605

Enjoy - you'll love it there, flirt to your hearts content! :rotfl::rotfl:

Just got to give that a whirl...not tonight though I'm knackered BUT watch me go

sheldon08

Brian1966 wrote: »

Just got to give that a whirl...not tonight though I'm knackered BUT watch me go

See you there then:p

kerryberryboo

Hi Everyone!

I've been following on here for a long time and decided to bite the bullet and register.
About 5 years ago I left my boring job to go back to college however I didn't think about how I was going to pay my outstanding debt - irresponsible I know, needless to say I messed up, default payments etc. I managed to get on track and pay off my two credit cards (capital one and sygma), a personal loan and a JD Williams account.
I have had a look at my credit file - credit expert free 30 days thing and I have 4 agreements on my file 3 of which (oli account, current account with no overdraft and my vodafone contract) are all green. I do however still have default that is 2 years old from littlewoods account, I've had an awful time with the collections people as they would only accept card payments and charge me for this privilege. They continue to refuse to set up a direct debit or standing order.
That's my credit history so far - here comes my questions.
I want to start to build my credit file back up, my oli account has a £1950 limit and I have about £650 on the account so far, which I will pay off fully over the coming months.
I've started to apply for some sub prime credit cards.
Aqua card have 'accepted' me :T and have sent a CCA which I have signed and returned - not holding my breath because......
I also applied to vanquis.
Vanquis have gave me a call back, confirmed more details and ask for bank details to set up a direct debit. I called them back out of curiousity (why take my bank account details and not give me a decision) and the lady has told me that I was declined.:mad:
I applied for capital one directly after Vanquis and they haven't got back to me.
Am I totally scuppered?? Should I pay off my default entirely before I try to reapply? I am about to open another JD Williams account as I didn't have any trouble with them before, will this improve or hinder me??

May I also say that those who take the time to answer these posts are salt of the earth. I wish that when I was digging a hole for myself with my debt I had found helpful, informative forums like this. Live and Learn though!!

Brian1966

sheldon08 wrote: »

See you there then:p

Oh you can bet your life you will :beer:
Off to MY bed now....tomorrow I may be in YOURS :p:p

sheldon08

Brian1966 wrote: »

Oh you can bet your life you will :beer:
Off to MY bed now....tomorrow I may be in YOURS :p:p

In your dreams:D

never-in-doubt

sheldon08 wrote: »

In your dreams:D

I told you he's a nightmare haha - you'll have a great laugh with this one :rotfl::rotfl::rotfl: