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worth applying to PO again?
gem4
Posts: 332 Forumite
in Credit cards
Hi,
I'd like some advice please from expert stoozers.
I applied for the PO account in April, online, approved with only £450 cr limit.
They sent me the docs, I returned them immediately asking for a £2000 cr limit. They sent me another agreement, I returned that too.
A month later I had a letter to say my time to reply was almost up, they hadn't yet received my signed agreement and I should return a new set of papers asap....which I did...again :mad: They now had 3 sets of credit agreements.
They wrote to say I hadn't replied so they had cancelled the application.
I phoned them.
They said they'd got all 3 copies of the agreement and only the first one for £450 had expired as I had asked for a new amount.
I had the next letter saying that they would contact me soon. They never did. :rolleyes:
I rang them last month Aug to find out why I hadnt heard. They said that time had run out.
I said I'd been accepted online with a £450 limit ......she said they dont set the amount until 'after' the agreement has been returned. I said time had run out while I was waiting for a reply from them.
She said she would ask her supervisor to ring me to explain what might have happened........no phone call, it's now Sept. :mad:
My previous application ran out cos of their incompetence.......is it worth re-applying? I only have a stooze of £1500 to move so I'm thinking that a transfer fee of £30 outweighs the interest made.
Questions...do I just give up and pay back the £1500 in Oct when my 0% ends?
Do I reapply to the PO?
Or is there a decent card out there that I can try instead? I cant afford to wait around for another 5mths for a PO decision and I dont want to make too many applications and affect my credit rating.
What would you advise?
I'd like some advice please from expert stoozers.
I applied for the PO account in April, online, approved with only £450 cr limit.
They sent me the docs, I returned them immediately asking for a £2000 cr limit. They sent me another agreement, I returned that too.
A month later I had a letter to say my time to reply was almost up, they hadn't yet received my signed agreement and I should return a new set of papers asap....which I did...again :mad: They now had 3 sets of credit agreements.
They wrote to say I hadn't replied so they had cancelled the application.
I phoned them.
They said they'd got all 3 copies of the agreement and only the first one for £450 had expired as I had asked for a new amount.
I had the next letter saying that they would contact me soon. They never did. :rolleyes:
I rang them last month Aug to find out why I hadnt heard. They said that time had run out.
I said I'd been accepted online with a £450 limit ......she said they dont set the amount until 'after' the agreement has been returned. I said time had run out while I was waiting for a reply from them.
She said she would ask her supervisor to ring me to explain what might have happened........no phone call, it's now Sept. :mad:
My previous application ran out cos of their incompetence.......is it worth re-applying? I only have a stooze of £1500 to move so I'm thinking that a transfer fee of £30 outweighs the interest made.
Questions...do I just give up and pay back the £1500 in Oct when my 0% ends?
Do I reapply to the PO?
Or is there a decent card out there that I can try instead? I cant afford to wait around for another 5mths for a PO decision and I dont want to make too many applications and affect my credit rating.
What would you advise?
debt free...yippee :dance:0
Comments
-
After all those problems, would you really want to be with them?0
-
As it is still fee free its always worth the try0
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