The Sub Prime Credit Thread - Part IV

PROLIANT

Its-A-New-Age-Thing wrote: »

ZACK AND CIF POWER

bear in mind FIRSTLY PROLIANT is probably correct and our accounts will now be CLOSED also id moaned at them about credit limit increases and GUESS HOW OFTEN YOU GET ONE?

ONCE A YEAR FOR RISE HOLDERS LOL

funnily enough id never been given one and its ALWAYS stayed at £183

:rotfl::rotfl::rotfl:

I know Monument is closed however I am not sure about this Rise carry on.

cifpower

PROLIANT wrote: »

I know Monument is closed however I am not sure about this Rise carry on.

A couple of times when I rang RISE they say "hello welcome to Monument...ummm...err...welcome to RISE"

Its-A-New-Age-Thing

oh and zack for ure INFO mate that CREATION SEARCH U ?

its PART of SYGMA think of as ull always get one of each WHENEVER u apply to SYGMA

anyways im off to get ready for work ill nip on later when im skivin.....

Its-A-New-Age-Thing

yeah cif i think its probably THE SAME OFFICE just a DIFFERENT phone line and they get mixed up lol

u tried callin the number on the back of ure card for there customer services just says....were experiencin TECHNICAL DIFFICULTIES been sayin that a few weeks now i never thought anythin of it till pro mentioned monument caputey etc lol

Zack1

Its-A-New-Age-Thing wrote: »

oh and zack for ure INFO mate that CREATION SEARCH U ?

its PART of SYGMA think of as ull always get one of each WHENEVER u apply to SYGMA

anyways im off to get ready for work ill nip on later when im skivin.....

But I got a search from Sygma too! I'm not having that then, I'll dispute both of them. No way am I having 2 searches for 1 application!

never-in-doubt

You get 3 searches with Sygma mate - 2 searches and 1 ID Verification, i.e. unrecorded footprint.

Search 1 - From parent company, Sygma Bank (they finance Creation)
Search 2 - From Creation finance as they are the ones accepting you
Footprint - From Creation finance as an address verification

Those are the 3 entries you should have when you apply to Sygma.

Zack1

never-in-doubt wrote: »

You get 3 searches with Sygma mate - 2 searches and 1 ID Verification, i.e. unrecorded footprint.

Search 1 - From parent company, Sygma Bank (they finance Creation)
Search 2 - From Creation finance as they are the ones accepting you
Footprint - From Creation finance as an address verification

Those are the 3 entries you should have when you apply to Sygma.

Oh shame, that's them off my list in future then!!

kerryberryboo

So I got a letter from BOS saying my current account is ready to go, I have to go to my nearest branch with some ID and deposit £100 into my new account. Does anyone know if this means they will allow me to have an overdraft facility too? I don't fancy opening this account if I won't be able to!

usedandabused

kerryberryboo wrote: »

So I got a letter from BOS saying my current account is ready to go, I have to go to my nearest branch with some ID and deposit £100 into my new account. Does anyone know if this means they will allow me to have an overdraft facility too? I don't fancy opening this account if I won't be able to!

did you apply for an overdraft?

in my experience most people that qualify for the current accounts nearly always are accepted for an overdraft, or after a few months as long as they don't incur any charges, they get an overdraft granted.


just on a side note, did halifax state that to open the account you need £100?
i've opened current accounts with no money or a £1 before

never-in-doubt

HBOS want £100 to release the card and chequebook - you can pay it and and then withdraw it 2 minutes later, it is needed to activate the account which releases the card etc

As for overdraft, ask in branch when you go in cos they can override the system for you - shhh, don't them I told you that!