The Sub Prime Credit Thread - Part IV

Innocent_Guy

never-in-doubt wrote: »

That matters little mate - they can see the account history and pending items, the same as you can! Click "My Accounts" go into that account and then sleect pending transactions from the left and it'll show you your salary! remember when you go to 1st, you lose this facility as they do not have it (bizzarely)....

Ring and if you do I will

I have heard that FD IB is not as good as HSBC even though FD is an internet bank!!!

I think if the advisor clicks into my account and sees that there is 2k+ just sitting there it could look better?

Innocent_Guy

never-in-doubt wrote: »

Impressed at what matey? lol :D

Looks very swish! Post 1 is v.good :beer:

noah271007

Innocent_Guy wrote: »

Really want to call first direct to see whether they received my forms however think it might be best to wait until im paid from work tomorrow incase they want to check my HSBC account? What do you think?

Go on, call them now....(that is if they're open):D

never-in-doubt

Innocent_Guy wrote: »

I have heard that FD IB is not as good as HSBC even though FD is an internet bank!!!

I think if the advisor clicks into my account and sees that there is 2k+ just sitting there it could look better?

Mate last time I applied I had over £10k in my accounts - I still do!

It does not matter - trust me! They look for consistency and bills (ie incomings/outgoings).... my average in each statement shows incomings as £8000 and outgoings as £6000 but still won't help much cos I have a hsbc cifas don't I.... arghhhhh barstewards!

regards to page 1 - cheers matey - it does look swish when all images load, MSE has a habit of part loading pages with security settings blocking certain images.

Innocent_Guy

never-in-doubt wrote: »

Mate last time I applied I had over £10k in my accounts - I still do!

It does not matter - trust me! They look for consistency and bills (ie incomings/outgoings).... my average in each statement shows incomings as £8000 and outgoings as £6000 but still won't help much cos I have a hsbc cifas don't I.... arghhhhh barstewards!

regards to page 1 - cheers matey - it does look swish when all images load, MSE has a habit of part loading pages with security settings blocking certain images.

Forms received she has confirmed £500 o/d offered along with 2.5k Credit card. She said the form is on the system and waiting to be worked and a welcome pack should follow. I thought she was going to open it then and there pffffttt!! We will have to see.

noah271007

Filed another complaint to HSBC in the hope they will amend the CL that i chosen when i applied for HSBC credit card. I doubt they will override but if i can remember correctly NID, you said that if you have missed a payment with HSBC whether it is from a loan, credit card or even overdrawn on bank account, then you are not liable for any further credit for 3 years?? Gulp, thats harsh!

Innocent_Guy

She asked is the O/D sufficient or would you like me to increase this LOL! Sounds good! I didn't want to push my luck so will wait until I have an account number.

Innocent_Guy

noah271007 wrote: »

Go on, call them now....(that is if they're open):D

No have you applied for FD?

Innocent_Guy

noah271007 wrote: »

Filed another complaint to HSBC in the hope they will amend the CL that i chosen when i applied for HSBC credit card. I doubt they will override but if i can remember correctly NID, you said that if you have missed a payment with HSBC whether it is from a loan, credit card or even overdrawn on bank account, then you are not liable for any further credit for 3 years?? Gulp, thats harsh!

If they credit checked you for you last increase (1day after CC app) I would follow the appeals process.... I have the number for HSBC underwriting if you would like it, they can override.

noah271007

Innocent_Guy wrote: »

Forms received she has confirmed £500 o/d offered along with 2.5k Credit card. She said the form is on the system and waiting to be worked and a welcome pack should follow. I thought she was going to open it then and there pffffttt!! We will have to see.

LOL, so basically your form is on the system but no decision has been made just yet? Is the £500 o/d and 2.5k CC the same as given as provisional?