The Sub Prime Credit Thread - Part V

izools

Lol, you must've read all the arguments I used to have with Niddy, too, then.

Ahh... those were the days

meerkat1980

magpiefan wrote: »

Hi guys
Just found this site/thread and read the whole 5 parts of over the last 2 days.
Its blooming brilliant so i thought i had best join and start getting some of your advice.

I did the same recently... Seemed a bit insane at the time, so glad to know I'm not the only one!

Some great on advice on here though!

All the best

magpiefan

Yeah ive just started trying for credit again after about 10 years or so of not bothering at all after being very stupid with credit when i was younger.

Zack1

callum9999 wrote: »

I never asked for the insurance though, so I really don't know how they are working it out! I just got a letter in the post with a policy number saying I'm entitled to it for a year, and a few months ago I got a letter saying it's been renewed for another year. As I said - I've only paid in £750 once or twice (if at all since this started!).

Maybe they are just confused because its new? I was told several times by the actual department that is running this (by phone) that existing credit card customers categorically cannot get the promotional APR. You get the 0.5% cashback and unlimited spending abroad, otherwise the limit and APR/promotional APR stay exactly the same. I hope you're right though!

Yeah I just got a clarity card as well which would be better cashback, but I don't think I spend £300 a month so is pretty useless to me personally in that regard (and I wouldn't have bothered had I known Nationwide were going to release this card - but then 2 fee-free cards can't hurt!).

The insurance is supposed to be inclusive, whether you want it or not (although you can then phone and opt out). Maybe because you are an existing customer they haven't enforced the T&Cs that new customers agree to? Following my complaint I got a secure message saying that insurance was active and giving me details of a block code to quote and that a letter had previously been sent out and they couldn't send another one.... I then got the original letter (dated 19th Jan!) yesterday! Valid from next week until 31/12

Oh that's annoying if that's the case, hopefully they will put it through as 0%, otherwise I'll send my complaints in and let you know what happens!

Yea that's true, two can't hurt I guess!

Has anyone closed Creation cards? I closed my JJB one but if I login to online servicing it still appears to be generating (blank) statements. Surely it should just be marked inactive? Not sure how (or even if) it appears on my credit reports

Kyresa

Seems Aqua is no longer going to be affiliated with Lloyds HBOS..... Anyone else get the letter?

stclair

Kyresa wrote: »

Seems Aqua is no longer going to be affiliated with Lloyds HBOS..... Anyone else get the letter?

It appears so looking at the tinterweb.

http://www.aquacard.co.uk/content/content.aspx?dsid=1074

Kyresa

Why didn’t I get sent a new card? Can I have one?
Some customers will not be getting a new card due to inactivity; for example the account may not have been used for several months. It is common practice across lenders not to reissue cards to inactive accounts.


Anyone with an Aqua card not used for a while, use it quick.. (better use mine!)

auto-man

stclair wrote: »

It appears so looking at the tinterweb.

http://www.aquacard.co.uk/content/content.aspx?dsid=1074

oh dear these are the same guys that purchased the citi cards from HBOS (Progressive). they are awful, really really bad. :mad:

But funnier is this http://www.savcredit.co.uk/about-sav/content.asp?id=705

So in effect they are erm buying themselves out.

auto-man

This is their customers

http://www.savcredit.co.uk/customers/aqua/content.asp?id=656

http://www.savcredit.co.uk/customers/marbles/

http://www.savcredit.co.uk/customers/opus/

Zack1

Kyresa wrote: »

Why didn’t I get sent a new card? Can I have one?
Some customers will not be getting a new card due to inactivity; for example the account may not have been used for several months. It is common practice across lenders not to reissue cards to inactive accounts.


Anyone with an Aqua card not used for a while, use it quick.. (better use mine!)

I haven't used mine for ages (and managed to lock myself out of their online system) but got a letter today saying I'll be getting a new card :rotfl:

You get a letter first then the card. I'm guessing the cards will come out towards the middle/end of Feb - since the effective date is 1st March