The Sub Prime Credit Thread - Part V

never-in-doubt

Cash_Flow wrote: »

Zack when Halifax offer pre approved loans and credit cards they appear in both the your offers and above your accounts.

The only difference between these and the standard product offers is they state that you are pre approved.

Subject to a credit search.....

izools

never-in-doubt wrote: »

I done that th other day but hey - izools is da man remember!!

Your posts are spot on. Regardless of what an ifa says the lender does additional checks but hey - mr finger pointer extraudinaire (zools) blames them - yep, course they messed up and lent 50% extra than agreed in principle. Lol

The guys a bankrupt and you'd all do good to take his advice as how NOT to deal with finances. Look at him, already at 70% of available credit lol. Leopard, spots springs to mind!!

Oh no is this nasty? Tough lol

How'd you work out 70% then huh? It's 42%.

Read my signiature.

By suggesting that just because someone has been bankrupt that means for the rest of their life they will give bad advice and have learned absolutely nothing whatsoever from the experience shows you are judgemental to the point of not being able to see through your preconceptions.

I don't ever tell people what to spend their money on or deal with their finances, I answer direct questions with direct answers which most people are greatful for.

If you don't believe Abbey / Santander lent me nearly 50% more than they agreed in principle PM me your postal address and I'll send you the sheet in question I got as a result of my S7 DPA request. It's all 100% substantiable as I don't lie, irrespective of what you choose to believe or tell yourself and others.

I never claim to be "The Man". If you make that misconception through the fact I am a regular poster that is your perogative. But it is also your misconception.

Pray tell what makes me "finger pointer extraudinaire"? Who am I pointing the finger at and for what? You mean blame? I don't blame anyone except myself for my bad choices from years past... that's how people learn duh... Just more unquantifable clap trap because you have so many preconceptions about finance you're incapable of thinking outside the box and accepting the fact that I'm a quick learner, don't repeat mistakes in my life, and have done well to achieve the speedy walk back up the credit ladder that I have.

Believe what you want. Say what you want. Shout what you want. None of it changes the reality of the situation.

Zack1

Cash_Flow wrote: »

Zack when Halifax offer pre approved loans and credit cards they appear in both the your offers and above your accounts.

The only difference between these and the standard product offers is they state that you are pre approved.

Ah that's good then

Can you have more than 1 Halifax card at a time by the way?

never-in-doubt wrote: »

Subject to a credit search.....

Wouldn't they have the information from the monthly feed anyway though? So unless something drastic has changed in the last few weeks, and been reported, you'd get it?

Cash_Flow

stclair wrote: »

Ive just opened a littlewoods account and been given a £550.00 credit limit is that good for littlewoods?

It's not great mate they gave me £1150 I think.

Not boasting though:D

Cash_Flow

izools wrote: »

How'd you work out 70% then huh? It's 42%.

Read my signiature.

By suggesting that just because someone has been bankrupt that means for the rest of their life they will give bad advice and have learned absolutely nothing whatsoever from the experience shows you are judgemental to the point of not being able to see through your preconceptions.

I don't ever tell people what to spend their money on or deal with their finances, I answer direct questions with direct answers which most people are greatful for.

If you don't believe Abbey / Santander lent me nearly 50% more than they agreed in principle PM me your postal address and I'll send you the sheet in question I got as a result of my S7 DPA request. It's all 100% substantiable as I don't lie, irrespective of what you choose to believe or tell yourself and others.

I never claim to be "The Man". If you make that misconception through the fact I am a regular poster that is your perogative. But it is also your misconception.

Pray tell what makes me "finger pointer extraudinaire"? Who am I pointing the finger at and for what? You mean blame? I don't blame anyone except myself for my bad choices from years past... that's how people learn duh... Just more unquantifable clap trap because you have so many preconceptions about finance you're incapable of thinking outside the box and accepting the fact that I'm a quick learner, don't repeat mistakes in my life, and have done well to achieve the speedy walk back up the credit ladder that I have.

Believe what you want. Say what you want. Shout what you want. None of it changes the reality of the situation.

iZools stop Biting and Just enjoy the forums.:D

izools

Cash_Flow wrote: »

It's not great mate they gave me £1150 I think.

Not boasting though:D

Hehe littlewoods was the first credit account I ever opened and they gave me £550 with a literally 100% blank credit file with nothing on it other than ER information :P

This was nearly seven years ago though no doubt their scoring as tightened right up!

Cash_Flow

Zack1 wrote: »

Ah that's good then

Can you have more than 1 Halifax card at a time by the way?


Wouldn't they have the information from the monthly feed anyway though? So unless something drastic has changed in the last few weeks, and been reported, you'd get it?

Yes you can.

Cash_Flow

never-in-doubt wrote: »

Subject to a credit search.....

Not always...............:D

ElkyElky

izools wrote: »

How'd you work out 70% then huh? It's 42%.

Read my signiature.

By suggesting that just because someone has been bankrupt that means for the rest of their life they will give bad advice and have learned absolutely nothing whatsoever from the experience shows you are judgemental to the point of not being able to see through your preconceptions.

I don't ever tell people what to spend their money on or deal with their finances, I answer direct questions with direct answers which most people are greatful for.

If you don't believe Abbey / Santander lent me nearly 50% more than they agreed in principle PM me your postal address and I'll send you the sheet in question I got as a result of my S7 DPA request. It's all 100% substantiable as I don't lie, irrespective of what you choose to believe or tell yourself and others.

I never claim to be "The Man". If you make that misconception through the fact I am a regular poster that is your perogative. But it is also your misconception.

Pray tell what makes me "finger pointer extraudinaire"? Who am I pointing the finger at and for what? You mean blame? I don't blame anyone except myself for my bad choices from years past... that's how people learn duh... Just more unquantifable clap trap because you have so many preconceptions about finance you're incapable of thinking outside the box and accepting the fact that I'm a quick learner, don't repeat mistakes in my life, and have done well to achieve the speedy walk back up the credit ladder that I have.

Believe what you want. Say what you want. Shout what you want. None of it changes the reality of the situation.

Just to point out a fact.. Abbey lent it to you, you willingly accepted and signed knowing you could or could not afford it.

Just curious.. what were you employed as to be offered a £150k mortgage at 19 years old and what was you income if you don't mind my asking?

izools

ElkyElky wrote: »

Just to point out a fact.. Abbey lent it to you, you willingly accepted and signed knowing you could or could not afford it.

Just curious.. what were you employed as to be offered a £150k mortgage at 19 years old and what was you income if you don't mind my asking?

Yes I know! They did lend it to me, and I willingly accepted it, and I take full responsibility for the results and I fully admit that I did not calculate affordability as thoroughly as I should have.

I applied with a joint applicant. He was earning £14,500 and I was earning £15,800. There was additional income by way of DLA for both myself and my partner totalling £3,400 bringing the grant total gross joint income to £33,700. Not really enough to qualify for £150,000. It was compounded by the bank providing me with a personal loan to cover the deposit deficit! Mental lending, and mental taking them up on the offer.

Bad choices, too little thought, consequences noted, lessons learned, mistakes not repeated, life goes on... And still repaying via an IPA.

Can we move on now? Other ex'bankrupts don't get such a grilling. This is the sub prime thread after all.