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The Sub Prime Credit Thread - Part V

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  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    simax wrote: »
    This is something that confuses me... why are we always told to take in a copy of our credit files? Surely they used this to come to the decision in the first place? Or is it just more proof that they make it all up as they go along!?!?

    Yes I know, they can see everything the same as you, but it's a good reference tool!!
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    simax wrote: »
    This is something that confuses me... why are we always told to take in a copy of our credit files? Surely they used this to come to the decision in the first place? Or is it just more proof that they make it all up as they go along!?!?


    Mate they are dire - i've always said they don't have a clue and that's been proved more over the last two days! :rotfl::rotfl:

    Get em dumped and go to a proper bank! :money:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Nooo - just no credit limit increases lol - thats all mate! I still have 2 bank accounts, credit card, 2 overdrafts with them and 2 cgc's and all is fine! :money:

    I told you, I do like HSBC even though they have sent the DCA's onto me for the incorrect linked debt - i'll have that sorted in no time, already sorted the DCA with one phone call - hsbc will get an injunction if they try it again! :rotfl:

    :rotfl::rotfl:
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 29 June 2010 at 8:30PM
    advanced.jpg
  • fairmorn308
    fairmorn308 Posts: 1,530 Forumite
    Evening guys

    Well as i havent been at home for last 7 weeks i am now home to catch up on the fourm. Some of you may know i got paid off end of may from my company and with the pay off i managed to clear my debts so now debt free with savings now :D

    I have also managed to secure myself a new job with better pay so am over the moon. I did apply for a 1st direct account etc etc but still got all my mail to look through properly which i will send doing tonight

    :)
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    See what I mean!!
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    sutton111 wrote: »
    See what I mean!!

    you've been blocked LOL :rotfl::rotfl::rotfl:
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    you've been blocked LOL :rotfl::rotfl::rotfl:



    What the hell does that mean? :rotfl:
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    sutton111 wrote: »
    What the hell does that mean? :rotfl:

    Imagine a CPD style thingy - well this is worse, forget credit mate - period!

    You've got a basic account with extra's - lol..... give it 6mth and it will be removed. :p:p:p Just kidding you mate :beer:

    Its because when you applied you were not eligible for one, so they do not allow the facility until you are eligible so after 6mth you can ring phone banking and apply, they will say ok then the facility will appear on your banking screen like mine does.
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • Innocent_Guy
    Innocent_Guy Posts: 5,369 Forumite
    sutton111 wrote: »
    What the hell does that mean? :rotfl:

    Because it is a new account or you have had a recent application.
    Bank Accounts - Barlcays Premier[/B] - £1000 o/d, HSBC - £200 o/d- First Direct - £500
    Credit Cards - Barclaycard £2000 - Silver Card £1300 - Flybe £7500 - HSBC £1000 - First Direct £2500 First Direct Gold £3000
    6 credit accounts closed in 2010!

    Official SOS Club number 001 - Dry until 01.07.10
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