The Sub Prime Credit Thread - Part IV

Its-A-New-Age-Thing

noah271007 wrote: »

Interesting to see that RBS still hold data of your default back in 2002....8 years ago and used that as a reason to refuse credit facilities. I would have thought that once 6 years (since default) has passed, then all's forgotten???

Maybe RBS have banned you for life?

i thought the same noah.........though i remember my iva guy tellin me years ago to try and avoid goin bac to anyone id ever bumped as banks tend to be a bit like elephants ie "never forget"...........

fairmorn308

Its-A-New-Age-Thing wrote: »

wanted to ask aswell, what prompted the account closzures anyway? did u ask for some kinda fancy upgrade? and they came across previous misdemeanours?

and how long was ure rbs open before they shut it?

They told me a week after i opened the accounts that they made a mistake due to my previous so i accepted it. I then checked my credit file the other week and RBS have been reporting for the accounts for a few months so i called there customer services to check if there was accounts in my name active and they agreed.

I then went into my local branch to ask for cards to be ordered and there was a note on my accounts about my past. The lady in the bank spoke to a dpt and they said if i send a copy of my credit file and a letter explaining when and how i get a defualt.

Its-A-New-Age-Thing

fairmorn308 wrote: »

They told me a week after i opened the accounts that they made a mistake due to my previous so i accepted it. I then checked my credit file the other week and RBS have been reporting for the accounts for a few months so i called there customer services to check if there was accounts in my name active and they agreed.

I then went into my local branch to ask for cards to be ordered and there was a note on my accounts about my past. The lady in the bank spoke to a dpt and they said if i send a copy of my credit file and a letter explaining when and how i get a defualt.

BASICALLY mate f*k em, u dont need to be reminded of ure past life when ure tryin to move forward..........im half expectin the same myself now as i bumped a rbs cc 8 years ago though ive alreay been issued my visa debit with £250 cheque guarantee and cheque book.........so i must not be registerin............presumably as a past offender lol

Its-A-New-Age-Thing

plus i dont get how a week adter u opened ure accounts they told u theyd msade a mistake yet posted a few months status history to the CRAS dont get that at all.........

fairmorn308

thats why i want to get the accounts up and running. Thing is the accounts were a joint savings account and a basic account so NO OD or Credit cards or cheque books

Its-A-New-Age-Thing

i see ure point im a little shoced they gave me a fancy account i mean ive still a roughly 5 year old default on my file..........i certainly wasnt expectin a cheque guarantee card i can assure u. though.........i did send in proof of my mortgage and bank statements so maybe that influenced there decision..........nationwide were the same.........im tryin to work out who to deposit all my wages in as im paid from 2 different named companys and i had been thinking to get one companys wages deposited into rbs and the others into nationwide now i might just fling them all into nationwide.........

fairmorn308

Thats the thing i am just wanting to find a bank am happy with and settle down and just stay with one as end of this yr am looking for a mortgage so want to build a good relationship with them

Its-A-New-Age-Thing

thing aswell though if there insistin on closin ure BASIC account i mean wow they really want rid of u................think ure definetely better off without them...........

fairmorn308

not sure who to choose now

Its-A-New-Age-Thing

go with alliance and leicester its the only one of the 3 the goverment doesnt mainly own compared to rbs and lyods/hbos etc

maybe thats a sign..............and as good a reason to base a decicion on as any i suppose lol