The Sub Prime Credit Thread - Part V

sutton111

ElkyElky wrote: »

I'm going to try applying again right now, to see what happens. The only reason I could think why they declined was because I had too many searches.

Good luck!!!

ElkyElky

sutton111 wrote: »

Good luck!!!

Grrrrr. :mad:

Sorry, you are not eligible for a change to your overdraft limit. Any existing limit that you have has not been changed.


Like most financial institutions we use credit scoring to help us to decide whether to accept applications for an overdraft. Unfortunately the credit score on your recent application didn't meet our current criteria. For more information regarding credit scoring please click on the credit scoring link on our Overdraft Service page.

Thank you for applying and we are sorry that we can't assist you on this occasion.

seeya23

sutton111 wrote: »

Alright Seeya, how are you?

lol, well I may, but I should find my BS out first that'll tell me if I stand a chance of getting one.

im ok been at work alot of the time not apply for any think for months now may apply for jjb card later today

sutton111

seeya23 wrote: »

im ok been at work alot of the time not apply for any think for months now may apply for jjb card later today

Oh do it now!! You have a good chance cos someone last week got accepted with a CCJ.

sutton111

ElkyElky wrote: »

Grrrrr. :mad:

I wonder why?

Do you have an OD with them already? Seems strange cos you have a CC with them. I think NID said it's best to go into branch, but they ask all sorts of questions.

ElkyElky

sutton111 wrote: »

I wonder why?

Do you have an OD with them already? Seems strange cos you have a CC with them. I think NID said it's best to go into branch, but they ask all sorts of questions.

Nope, never had an OD. My nearest branch is 20 something miles away. :mad:

I'm sure it'll be because the amount of searches I have, in addition to the amount of debt I'm in. The majority of my debt will be paid off next week anyhow. I'm on the wagon until my searches drop off because I plan on applying for car finance again as soon as my file is up to scratch. Nissan accepted me before so I hope they'll do the same once I'm searchless.

I want a Nissan Qashqai

sutton111

ElkyElky wrote: »

Nope, never had an OD. My nearest branch is 20 something miles away. :mad:

I'm sure it'll be because the amount of searches I have, in addition to the amount of debt I'm in. The majority of my debt will be paid off next week anyhow. I'm on the wagon until my searches drop off because I plan on applying for car finance again as soon as my file is up to scratch. Nissan accepted me before so I hope they'll do the same once I'm searchless.

I want a Nissan Qashqai

You like 4x4 types do you? How much are they? I drive my Mum's Golf, but, i'd love a Golf of my own. I love the Golf.

seeya23

i like the ford galaxy but if i was on my own i would have the new ford fiesta

ElkyElky

sutton111 wrote: »

You like 4x4 types do you? How much are they? I drive my Mum's Golf, but, i'd love a Golf of my own. I love the Golf.

£15k. My insurance company gave me a golf for 2 months following my crash. They are amazing cars. I literally fell in love with it.

sutton111

ElkyElky wrote: »

£15k. My insurance company gave me a golf for 2 months following my crash. They are amazing cars. I literally fell in love with it.

Oh why not get one of them!! I love them too. It's a 59 plate, really good cars!

How difficult is the finance to get?