The Sub Prime Credit Thread - Part IV

safc118

fairmorn308 wrote: »

Hiya troops hows everyone?

Not been on for a day or so, Not much to update apart from i cant get a refund to my credit card instore due to me awaiting on my pincode for the card to arrive.

Got a letter from the ICO who said they got my letter and will be in touch soon.

Got a letter from Citi Bank who would like a copy of a bill or bank statement before issuing details and card etc

To refund a purchase back on a Credit or debit card for that matter as long as its the card that you paid with you dont require to enter your pin i work in retaill and solong as its the card you paid with it goes straight back onto your card and will show on your account in a few days (varys on lender)

fairmorn308

they told me in the shop they cant refund it on my card until i have my pin

never-in-doubt

fairmorn308 wrote: »

they told me in the shop they cant refund it on my card until i have my pin

Its the new chip and pin systems mate.... in the old days (pre chip and pin) they swiped your card and you signed the slip, then 3 days later it appeared back in your account.

Nowadays you enter the pin and it goes in the next day (usually)....

kilasuit

Its-A-New-Age-Thing wrote: »

i always find equifax straightforward i online dispute as im an equifax customer check my questions progress it changes to reply from third party they then read it mark it as closed fix/remove any probs id pointed out, email me a notification theyve removed it and requested a fresh copy of my file i then look and see its done very straightforward i always find



oh did u dispute it with SYGMA direct? if u did u should of with equifax......

yes i raised it with the underwriting team at sygma.

i'm giving it till friday for them to disappear as i have an appeals letter to go out

ElkyElky

armyoftwo wrote: »

Sorry to hijack post,

but ElkyElky,


Just wondering if you could give me some advice, one of my mates wants to apply for the HSBC CC, however is in two minds as she has heard that the customer service provided is not as good as other CC providers (also bcoz of the overseas call centres).


In retrospect, have you had any problems with HSBC? and whats your overall view on the HSBC CC?

If you could help, would be much appreciated.

Any other comments are welcomed thanks

Customer services has been pretty good and I am overall impressed with the bank. However, I haven't been with them long so can't give a accurate recommendation. I haven't had any problems at all with them. The only issue I have is that they don't have a branch in my town but driving 20 miles to the nearest one isn't a problem.

Never-in-doubt is the best person to ask. He has been with them for some time and knows the in's and out's of the bank.

fairmorn308

Afternoon

Well its not a good day, I got a phone call saying i have been paid off. well i was half expecting it as alot of other guys got paid off 2 weeks ago but its still a shock when it does happen.

Where do i stand regarding paying my 2 loans, I do have PPI with them but i do have a letter saying there laying me off and giving me 3 months pay.

jo-bo

Sorry to hear that fairmorn, your best bet is to contact your ppi providers straight away as some of them are different to others, some will pay out regardless of redundancy pay and some don't. Good luck

brians_daughter

fairmorn308 wrote: »

Afternoon

Well its not a good day, I got a phone call saying i have been paid off. well i was half expecting it as alot of other guys got paid off 2 weeks ago but its still a shock when it does happen.

Where do i stand regarding paying my 2 loans, I do have PPI with them but i do have a letter saying there laying me off and giving me 3 months pay.

Oh no. sorry to here your news.:( Have some hugs....

when my mum got made redundant a few years ago -from memory- i am sure 1 company started to pay straight away and another started to pay after her 8 weeks, as she got paid 8 weeks salary.

I know you probably dont want to do this today, but you need to start the ball rolling as soon as. The sooner they are aware of the situ the sooner they can act and from your point of view the sooner you will know where you stand.

What line of work are you in?

seeya23

good day to all


sorry to hear your bad news fairmorn


still getting over notts county win over darlngton last night

fairmorn308

brians_daughter wrote: »

Oh no. sorry to here your news.:( Have some hugs....

when my mum got made redundant a few years ago -from memory- i am sure 1 company started to pay straight away and another started to pay after her 8 weeks, as she got paid 8 weeks salary.

I know you probably dont want to do this today, but you need to start the ball rolling as soon as. The sooner they are aware of the situ the sooner they can act and from your point of view the sooner you will know where you stand.

What line of work are you in?

am on full pay until end of july.

I work offshore so very doubt i will be stuck for work i can go away next week with a agency. money is money end of the day