Norwich & Peterborough Gold Account?

never-in-doubt

PROLIANT wrote: »

Well, they have not searched Equifax, will check Experian in the morning and Call Credit on Monday. I doubt they searched Experian as I have a high number of recent applications so my money is on Call Credit?

Excellent news - Equifax was my worst case, followed by Experian - I guess with CallCredit I may be ok but then again they may see my INCORRECT cifas markers :eek: :eek:

I note there is nothing about this (N&P) on Undergrounds thread? http://forums.moneysavingexpert.com/showthread.html?t=1033817

PROLIANT

never-in-doubt wrote: »

Excellent news - Equifax was my worst case, followed by Experian - I guess with CallCredit I may be ok but then again they may see my INCORRECT cifas markers :eek: :eek:

I note there is nothing about this (N&P) on Undergrounds thread? http://forums.moneysavingexpert.com/showthread.html?t=1033817

Ok, they did not check experian so they must have used CallCredit.

never-in-doubt

PROLIANT wrote: »

Ok, they did not check experian so they must have used CallCredit.

serious mate?

If so that would be bloomin amazing and totally bizarre to say the least!

Ive still not heard anything so not holding my breath just yet :mad: :mad:

usedandabused

never-in-doubt wrote: »

Ive not heard yet mate - no message or anything

I doubt i'll get accepted, although I do have my new Bank of Cyprus account to go with my soon to be rebranded HSBC [STRIKE]Plus[/STRIKE] Advance Account lol :rotfl:

Thing is I have no debt, just a lot of searches and cifas entries (funnily enough I am contracted to work for the banks fraud department lol)..... A lot of searches equates to over 500 last year (ahem) :eek::eek:

So anyone want to take bets 3-1 against that I will get accepted? lol

morning

I don't know what CIFA's mean, is that really bad? like Fraud?

after work last night i called Toni from N&P and I asked her to clarify certain things for me, I said i had a default which i declared, and she said its a few years old and because i was managing other stuff ok, N&P will always take that into account.

Also my application was a manual decision after it was reffered, and they were satisfied that i can manage the account responsibly so that is why i was given a cheque g card and cheque book account with £500 OD, which they said can be increased with good account manaagement lol

never-in-doubt

usedandabused wrote: »

morning

I don't know what CIFA's mean, is that really bad? like Fraud?

after work last night i called Toni from N&P and I asked her to clarify certain things for me, I said i had a default which i declared, and she said its a few years old and because i was managing other stuff ok, N&P will always take that into account.

Also my application was a manual decision after it was reffered, and they were satisfied that i can manage the account responsibly so that is why i was given a cheque g card and cheque book account with £500 OD, which they said can be increased with good account manaagement lol

Fancy trying it on again, with the evidently delectible Toni, and asking which CRA they use lol

CIFAS is fraud, yes - see here: http://www.cifas.org.uk/default.asp?edit_id=564-28

PROLIANT

NID, have you rang to find out if you have been accepted yet?

never-in-doubt

PROLIANT wrote: »

NID, have you rang to find out if you have been accepted yet?

No mate - its 10am Saturday, i'd assume they will message me and I can't handle a rejection this early on a saturday morning lol......

I don't think they'd decide today anyway, underwriters won't be working surely? Did you not get an online message - argh, forgot you rung! Was it an instant yes at the end or a delay while they checked your credit file?

What do they say, like 'bear with me while I get the result' or do they just say i'm pleased to say blah blah blah? Just curious mate....

PROLIANT

never-in-doubt wrote: »

No mate - its 10am Saturday, i'd assume they will message me and I can't handle a rejection this early on a saturday morning lol......

I don't think they'd decide today anyway, underwriters won't be working surely? Did you not get an online message - argh, forgot you rung! Was it an instant yes at the end or a delay while they checked your credit file?

What do they say, like 'bear with me while I get the result' or do they just say i'm pleased to say blah blah blah? Just curious mate....

Instant yes old man.
I will confirm on Monday am if they used CallCredit.

never-in-doubt

PROLIANT wrote: »

Instant yes old man.
I will confirm on Monday am if they used CallCredit.

Huh, that's good mate - so no waiting or anything? I wish i'd phoned it through but I always feel weird, it makes it real when I speak to people :rotfl: :rotfl:

I assume i've been KB'd to be honest, never heed - always next week


p.s. how come you say you'll check CC Monday - are they only open Mon-Fri (sarcasm lol) :eek:

PROLIANT

never-in-doubt wrote: »

p.s. how come you say you'll check CC Monday - are they only open Mon-Fri (sarcasm lol) :eek:

Because i get a monthly report from Annual credit report which feeds off CallCredit.
You can sign up with annual credit report to get a annual free report, have you already done this?