The Sub Prime Credit Thread - Part IV

duggie1982

never-in-doubt wrote: »

Here you go mate - just in case! Taken from: Credit Reference Agencies

Nice one mate. will contact the CRA's to check them since some are correct but others aint. To many people with the same name as me Even 2 people in my street have the same first and second name and one of them have my mddle name too :rotfl:Crazy.

Zack1

just_about wrote: »

Can tell you mate that three might not just continue withe this sim zero any more, so think gotta get myself one before they realise what this sim zero is used for :rotfl::rotfl::rotfl::rotfl:

Haha, shame! I hope they leave it running

I lost my phone last week, but have a space phone (no sim card at the moment, going to check my post in a bit as the replacement should be here today hopefully!), but even now I'm not considering using the 3 zero :rotfl:

never-in-doubt wrote: »

Please tell me more on this 3 zero? Is it a free tariff?

Haha. And I don't know if they do credit search you, but they charge £1.95 admin fee if accepted, so it seems they do - or the £1.95 is a scam. But the reason they give for the £1.95 is a credit search

My latest credit report from November (Equifax) does not show any search from 3, but maybe the searched the others instead

seeya23

my wife just apply for barclay initial and was successful things are looking up lol

duggie1982

I used the footprint thing that barclaycard use the now to see if i would be most likely accepted. Computer say's No lol

wizzywig27

I did that a while ago, I bank with them and they said no too lol - never mind

seeya23

wizzywig27 wrote: »

I did that a while ago, I bank with them and they said no too lol - never mind

i know i wont get one as i ve got 2 ccjs

Zack1

Computer says no to me as well

Zack1

Haha I emailed an appeal to MBNA, and I thought they'd ignored it. I've just had this letter

"Thank you for your recent letter.

We are currently investigating your complaint and we will issue a response within 28 days.

I have enclosed a copy of our internal complaint procedure leaflet for your information"

Thing is I attached screenshots of my ISA, but forgot to attach my credit card statements (despite putting in my email that I had attached them!). Hopefully they won’t try and phone me, as I have no phone and my replacement sim card still isn’t here

cifpower

I am now £140 lighter due to my car being a !!!!!!. Just before Xmas as well. Needs must I suppose.

Zack1

Finally started using my Halifax account haha. Made 3 purchases on it already today, will make some "bill payments" soon . Hopefully then they decide they want to give me something decent!

cifpower wrote: »

I am now £140 lighter due to my car being a !!!!!!. Just before Xmas as well. Needs must I suppose.

Ouch! This must be the worst time of the year for it to happen!

I want a car too, would save me paying so much to get to/from uni as well, but the overall cost would end up being more, because of maintenance etc (not to mention the rip off that is insurance for 18 year olds!)