The Sub Prime Credit Thread - Part V

sephrenia

DarkFallout wrote: »

My 5 pound monthly cashback at Halifax is pretaxed at 20% rate for sure.

I didn't even know that was possible! :eek:

sephrenia

Brian1966 wrote: »

Bloody hell!! Hope it's not a decline!!!
If so will send a detailed appeal, pictures, dimensions etc and if necessary will drive to head office in Leeds to plead my case.
In the meantime I'm off to bed to dream about cruising down the M621 with a 'hottie' sat on the backseat of my coach, waiting, hoping and munching seductively on a bar of Galaxy ;):p

*snickers*

Goodnight Brian

fairmorn308

good evening peeps

Decided to wait until the new year before i go for a mortgage

Brian1966

sephrenia wrote: »

*snickers*

Goodnight Brian

Night babe,,Sephrenia is too hard to spell at this time of night Sleep well, sweet dreams I'm sure you may feature in mine, oooh what I am going to do to you (and you wont even know) :p:p:p:p:p:p
Bye for now x

kilasuit

fairmorn308 wrote: »

good evening peeps

Decided to wait until the new year before i go for a mortgage

Honestly i cant say i blame you. considering the mortgage market is rather shafted atm.

fairmorn308

also another reason was i just got a new job and want to see how secure it is 1st before getting a mortgage tho.

kilasuit

Fair point fairmorn cant say i blame you with the way the worlds economy is atm either

mattlfc79

DizzleUK wrote: »

Just a quick update, Barclays have accepted me for a proper bank account with them :beer:. Got all the forms to sign and return today.

Bye bye A&L

Nice one Dizzle, what adverse do you have as I am hoping Barclays will also give me a real account lol

Thanks

stephane_2

DizzleUK wrote: »

Just a quick update, Barclays have accepted me for a proper bank account with them :beer:. Got all the forms to sign and return today.

Bye bye A&L

Just remember that Barclays will always send you the form to sign thinking that you're already been accepted but they can still decline your application once they've received the form....

izools

stephane wrote: »

Just remember that Barclays will always send you the form to sign thinking that you're already been accepted but they can still decline your application once they've received the form....

In my case they opened up a standard current account, and two weeks later, after I'd had my direct debits, standing orders, and salary mandates set up, chequebook, pin, and debit card in hand, wrote to me saying "actually, we're closing that account in 14 days time. And you cash card. And your savings. And don't bother trying to come back".No, no CIFAS or fraud of any kind. Just an insanely slow deline process. Somewhat like the Natwest / RBS Application Verification Unit but much much much slower off the bat.Awful bank. Be careful!