The Sub Prime Credit Thread - Part IV

izools

Well that was a sodding great waste of time... The Personal banker was clearly jealous as my risk score s 4 and his is 8... He has a CPD marker and refused to believe there is a process to get it removed if you have a good credit file.

After getting telephone banking on speakerphone and them telling him the process he grumped off to see his manager leaving me waiting for 15 minutes and came back saying "Right let me take a copy of your credit file" came back and said "OK".

I asked OK what? What's going to happen now? He just said "They'll look at it".

Couldn't tell me who, timeframes, who I could get in touch with to chase it up, whether or not they'd contact me etc.

Called Telephone banking to find out what was happening / what the process is, they dropped me cold through to some dizzy blonde at the branch who hung up on me because she didn't know the process either and thought it unreasonable for me to ask her.

.... Ah. Finally someone at telephone banking who knows what's going on - they've faxed it to the account holding branch who will investigate and look into getting the CPD marker removed in a day or two. Couldn't be done there and then as I don't live near my account holding branch any more.

If only the dumba$$es in branch could've said that. Instead they seem to have this attitude of "How dare you not know our internal processes like the back of your hand. How date you expect us to actually explain what's going to happen. I mean wanting to understand the process rather than being psychic? What an obnoxious customer you must be!"

W4nk3rs

/rant

(Edit - still streets ahead of Barclays)

Ellbubb

Just keep onto them, But at least your getting somewhere with it . Fair play though the staff at the branch you were just at sound full of the joys of summer.

izools

Ellbubb wrote: »

Just keep onto them, But at least your getting somewhere with it . Fair play though the staff at the branch you were just at sound full of the joys of summer.

Yeah the chap on telephone banking who called through to the branch said to me "Yeah she sounded like she doesn't want to be at work" or something like that At least they have air conditioning! Grumpy sods.

izools

sutton111 wrote: »

Have you or are you going to ask Sygma for a credit increase?

It is three months as well - I've had my Sygma Silver since 11/03/10 and just got off the phone to them - my limit is now £1,300

Lloyds can take their CPD marker and shove it up their proverbial. I got other financial institutions to give me what I want :j

kilasuit

Anyone got a number to speak to Sygma Silver as the only number i have is for Flybe

then again it might just be because i applied (and subsequently declined )for my world in may????

izools

use the same number, it's the same team. It just flashes up on their screen what to say when they pick up the phone

ElkyElky

Were you credit checked izools? If so, how many searches do you already have on your file?

sutton111

izools wrote: »

It is three months as well - I've had my Sygma Silver since 11/03/10 and just got off the phone to them - my limit is now £1,300

Lloyds can take their CPD marker and shove it up their proverbial. I got other financial institutions to give me what I want :j

I'm going to throw a right wobbler if they give me a CPD!! Will they know already, if i opened it today?

sutton111

ElkyElky wrote: »

Were you credit checked izools? If so, how many searches do you already have on your file?

I was (well they said so) when i did mine yesterday.

Must be a "soft" search. HTH

BugsyBrowne

Am i right in saying it is not a good idea in having 2 credit card accounts with the same company.