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The Sub Prime Credit Thread - Part IV

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  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    oh next are really doing my head in..they reduced my credit limit to £0 (for no apparant reason- i hadnt had any searches, late payments, spent anything on my cc's) Then, 4 months later after i got 2 new CCs they have today put my limit up to £5750!! !!!!!!?! On the phone to them later to close the stupid account.

    Oh afternoon people! :)

    Their credit scoring techniques are a complete mystery. Who knows what's going through their heads when they decide to yo-yo the limits like that.
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
  • misscutiepie1984
    misscutiepie1984 Posts: 1,277 Forumite
    Part of the Furniture Combo Breaker
    completely off subject I know but I just received my cheque from Barclays was expecting £450.... then sent me a cheque for £1300 as they refunded all my PPI plus interest and I hadn't even pursued for it. Amy
    Official DFW Nerd number 227
    Proud to be dealing with my debts!!!!
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    oh, i know what i wanted to ask! I moved house 6years ago next week and creditexpert thingy asks for you previous adresses for the past 6 years, so do i need to remove it or will it be done automatically? And, some bills such as the mortgage etc wwere only updated in June so should i leave it til these fall off my file or does it not matter in the slightest?

    The addresses should be removed automatically after the 6 year mark - give or take a month or two.
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    completely off subject I know but I just received my cheque from Barclays was expecting £450.... then sent me a cheque for £1300 as they refunded all my PPI plus interest and I hadn't even pursued for it. Amy

    Excellent!! Spend it wisely, perhaps a nice relaxing holiday? :D
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    seeya23 wrote: »
    thats next for you

    afternoon all and nid nice to you back mate

    Hi matey - have been here all the time but I only lurk in here lately, nothing much happening....... :(:(

    Hows things with you then? happy at your footy team I presume?
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • misscutiepie1984
    misscutiepie1984 Posts: 1,277 Forumite
    Part of the Furniture Combo Breaker
    ElkyElky wrote: »
    Excellent!! Spend it wisely, perhaps a nice relaxing holiday? :D

    Holiday already on Sygma lol

    but I can pay off my remaining debt which is £1100 and have £200 left over and I will be £300 a month better off. Holiday not until July.
    Official DFW Nerd number 227
    Proud to be dealing with my debts!!!!
  • seeya23
    seeya23 Posts: 2,330 Forumite
    Hi matey - have been here all the time but I only lurk in here lately, nothing much happening....... :(:(

    Hows things with you then? happy at your footy team I presume?


    not bad i ve only missed 2 of notts home games and 4 away games they been a class act this season
  • cifpower
    cifpower Posts: 6,502 Forumite
    Haven't been here for a while!
  • ElkyElky
    ElkyElky Posts: 2,459 Forumite
    Some sad idiot today approached me and gave me a leaflet about Labour and told me to vote for them. I said "Excuse me? Who are you to tell me who to vote for? I'll vote for who I want and not who you tell me to, and it WONT be Labour.".

    I hate that so much. You'd think these people would have better things to do with their time.
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    Yeah i was undecided but went for UKIP in the end..
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