The Sub Prime Credit Thread - Part IV

brians_daughter

Its-A-New-Age-Thing wrote: »

would they let existin vanquis customers get one or tell us to do one?

No, you can only hold 1 vanquis product at a time. It does state on the t&c's you cant be an existing vanquis customer. Or, at least the ones i have looked at do.

brians_daughter

Its-A-New-Age-Thing wrote: »

oh also anyone any experience of this my minimum payment due to vanquis was £20 this month and i owed at that time £499 i paid £18 as id arranged for sygma to balance transfer £480 so if id did £20 it would be overpaid ALBEIT BY A £1 thing is sygmas made an !!!! of it and its delayed, so the £480s not hittin the account by my payment due date as a result my minimum [payments due in 3 days on the 17th this being the 14th sooooooooooo like a right plonker i called up and made a £2 payment which achieves my minmum though she now tells me it might not go through till monday if this is the case will a missed payment marker appear on my credit file and if it does can i get it removed???????????????????????

many thanks

I had simular experience re min payments. Should have paid £32 and paid £23, typo on the i-net banking. I was charged £12 but it didnt show as late payment with CRA's

Its-A-New-Age-Thing

brians_daughter wrote: »

I had simular experience re min payments. Should have paid £32 and paid £23, typo on the i-net banking. I was charged £12 but it didnt show as late payment with CRA's

was this with vanquis? thanks

oh mail mans just been no HALIFAX im gettin UPSET



U calmed down from the sexy voice yet? tell u ud love mine

:rotfl:

brians_daughter

Its-A-New-Age-Thing wrote: »

was this with vanquis? thanks

oh mail mans just been no HALIFAX im gettin UPSET



U calmed down from the sexy voice yet? tell u ud love mine

:rotfl:

Yep, with vanquis.


Just about calmed down after lovely Ryan..he sounded lovely...i neeed to trade my oh in for an irish man me thinks! :rotfl:

He said that they only updated the system with the CCA yesterday so will be next week before I get my card. TBH i can wait, not planning on spending on it - she says......

Its-A-New-Age-Thing

brians_daughter wrote: »

Yep, with vanquis.


Just about calmed down after lovely Ryan..he sounded lovely...i neeed to trade my oh in for an irish man me thinks! :rotfl:

He said that they only updated the system with the CCA yesterday so will be next week before I get my card. TBH i can wait, not planning on spending on it - she says......

yeah im a suker for the irish accent to though i once dated a woman from thattoheath liverpool etc loved that accent aswell i think its u become to use to ure own accent so love someone elses lol

anyways my rbs packs just arrived so im off to my local branch with my id speed it up etc thanks again

:A

ElkyElky

brians_daughter wrote: »

Yep, with vanquis.


Just about calmed down after lovely Ryan..he sounded lovely...i neeed to trade my oh in for an irish man me thinks! :rotfl:

He said that they only updated the system with the CCA yesterday so will be next week before I get my card. TBH i can wait, not planning on spending on it - she says......

LOL You still going on about Ryan? :rotfl::rotfl: You should give him another call.

brians_daughter

ElkyElky wrote: »

LOL You still going on about Ryan? :rotfl::rotfl: You should give him another call.

i know.....its a sad life lol. :rotfl::rotfl:

big_Daddy_Dave

ok, ive just been turned down by vanquis

theres no lower place to go is there?

i dont even know why i got turned down ive had a 24 studio account since august and a jacamo account since jan

thought for sure id get it

ahh well

may try again in a month

big_Daddy_Dave

ooh i think i may ahve clocked it

my experian file is crap havent paid virgin media for 2 months but my equifax is clean which is where studio and jacamo report to may just try other catalogues or a card that searches equifax

big_Daddy_Dave

oh no its the other way round

my equifax is bad n my experian is good

so i dont know why i was declined

ahh well ill just try again