The Sub Prime Credit Thread - Part IV

never-in-doubt

Innocent_Guy wrote: »

Gonna go for contract.......

direct with Apple? They aint an ISP mate! That's what i'm tryin to establish LOL (or do they link to O2 or summat)? :rotfl:

Innocent_Guy

never-in-doubt wrote: »

direct with Apple? They aint an ISP mate! That's what i'm tryin to establish LOL (or do they link to O2 or summat)? :rotfl:

You can reserve the phone in the apple store and they can open the contract for you instore. You tell them what priceplan and with whom and they process it for you

Innocent_Guy

Summary of your credit history
Number of credit accounts (including those settled)..................................................22
Amount of available credit (excluding mortgages)...........................................£12,795
% of your total credit being used (excluding mortgages)........................................11%
Amount of outstanding debt (excluding mortgages and defaults)........................£2,667
Number of accounts overdue...................................................................................0
Number of missed or late repayments in the last year.........................................

Innocent_Guy

I couldn't get noooo credit before and now I have too much available, that doesn't even include my FD CC and current account. Im pleased to be closing Santander and Barclays....

Innocent_Guy

Aslo going to close Vanquis, Silvercard and Barclaycard.

never-in-doubt

Innocent_Guy wrote: »

Summary of your credit history
Number of credit accounts (including those settled)..................................................22 / 9 (5 bank accounts)
Amount of available credit (excluding mortgages)...........................................£12,795 / £11,000
% of your total credit being used (excluding mortgages)........................................11% / 0%
Amount of outstanding debt (excluding mortgages and defaults)........................£2,667 / £1 (?)
Number of accounts overdue...................................................................................0 / 0
Number of missed or late repayments in the last year.........................................

Mine is in red mate LOL - and I can't get a FD account :rotfl: :rotfl:

Oh yea, dunno why it shows £1 to amount owing! Maybe i'm 1p overdrawn somewhere (yea right)!!!

kilasuit

Sutton honestly i'd never touch lloyds with a bargepole but thats only my opinion.

BugsyBrowne

never-in-doubt wrote: »

Mine is in red mate LOL - and I can't get a FD account :rotfl: :rotfl:

Oh yea, dunno why it shows £1 to amount owing! Maybe i'm 1p overdrawn somewhere (yea right)!!!

Nid quick question, you have all them accounts including 5 bank accounts total debt £1,you say FD turn you down won't the easiest solution be is close down some of them accounts,reduce your limits on your cards,keep maybe 1 or 2 bank accounts,then surely FD will maybe favor your application then....

ElkyElky

Just applied to Toyota for car finance online. It said they'll e-mail me the decision within 24 hours and if accepted, they'll attach a certificate to the email which I must then print and take it to the show room when picking up the car. I guess I'll have to sign the paperwork and pay the deposit when I collect the car.

I have a feeling it'll be declined but I've offered a decent deposit so I'm hoping that could persuade them to accept.

If they say no then I guess I'll be shopping round for an old banger.


EDIT: As I suspected, refused. Definitely not a bad thing since they've stopped me going £12k in debt.

TheEffect

Apple along with Nokia and every other mobile company will produce new phones every year to keep up with the latest technology. It's how they're going to make their money. Nokia changes phones as often as Apple, it's just Nokia has hundreds of different models whereas Apple produces 1 phone with different versions.

Can't wait for iPhone 4.

never-in-doubt wrote: »

what is the big deal with 4G as opposed to 3G? I am not really into the texhie side of mobiles but I just got the 3G and think its ok, but then heard they were not making 16/32GB 3G's anymore due to the 4G's meaning they will plunge in value next week- !!!!!! is it with apple? I may bin it, and go back to Nokia if they are going to change the phone each year its a bloody joke - especially when the ISP's want a 2yr sign-up to have such a good phone!

Tried making sense of this (last few pages) - but nope! Give me the CCA to read anyday haha - Cheapest iPhone discussion
Rant over - lol. Hows it going matey :beer:

Having 11k available credit and a small income probably is probably contributing to you being declined.

never-in-doubt wrote: »

Mine is in red mate LOL - and I can't get a FD account :rotfl: :rotfl:

Oh yea, dunno why it shows £1 to amount owing! Maybe i'm 1p overdrawn somewhere (yea right)!!!