i owe provident money will this affect my chances of getting vanquis card?

sjane23

i owe provident money will this affect my chances of getting vanquis card? this happened about 4 years ago (oweing provident) it doesnt show on my credit report but wondered if any of you out there have a long outstanding debt with provident but have been sucessful in getting a vanquis card.

pcombo

lol are you taking the pi$$.

You say you owe them money like its nothing, and now you want more credit.

What good reason should you be given a credit card?

sjane23

pcombo wrote: »

lol are you taking the pi$$.

You say you owe them money like its nothing, and now you want more credit.

What good reason should you be given a credit card?

im asking for advice not asking to be taken the p*ss out of and for your information ive had credit cards in the past and was a good payer with all but one until i lost my job ive also got catalogue accounts that have always been kept up to date

pcombo

sjane23 wrote: »

im asking for advice not asking to be taken the p*ss out of and for your information ive had credit cards in the past and was a good payer with all but one until i lost my job ive also got catalogue accounts that have always been kept up to date

So dont you think you should pay them back before having the cheek to take more credit out.

If you dont like my opinions dont post stupid threads and expect respectable replies.

sjane23

pcombo wrote: »

So dont you think you should pay them back before having the cheek to take more credit out.

If you dont like my opinions dont post stupid threads and expect respectable replies.

i asked for replies from people that have been in this situation, you haven't so you ought not to have replied at all

pcombo

sjane23 wrote: »

i asked for replies from people that have been in this situation, you haven't so you ought not to have replied at all

people in that situation would pay the debt off before taking out more credit.

You seem to be pleased its not on your credit file.

moshoodo1

@sjane23, absolutely not, i owe provident some money back in 2009 due to their agent fault, she went on holiday for 3months and dedicated someone to collect on her behalf who does not bother to turn up for my payment at all and lied. they charge me £250 which i vowed not to pay.

And I just got granite card this month with £500 limit which is run by vanquis.

HTH

sjane23

mo thats exactly what happened to me! glad to hear you managed to get a card fingers crossed i will too thanks for your help

Anthorn

sjane, try to avoid feeding the forum trolls and learn to ignore them.

Re. your Provident debt and a Vanquis card, you'll never know until you apply for the Vanquis card. After 4 years it's likely but not certain that the Provident debt will have been sold in which case you will not owe the money to Provident but your original agreement with Provident still applies.

sjane23

thank you athorn that info will come in very useful i think its been about 4 years now already. take care, sam

DevCoder

sjane23 : Whether you like pcombo's reply or not s/he is just telling you how it is.

You owe a debt, this will probably be recorded on one of the 3 main CRA's and will act against you.

You losing your job, although bad news, has no influence on your agreement to repay your creditor.

If you can prove you and moshodoo1 have the same complaint then follow their complaints procedure which is backed by the FOS instead of defaulting.

In the meantime, you still owe a creditor monies and I wouldn't pay too much heed to someone who pronounces getting a subprime card 3 years after a default is any kind of victory

I'd suggest you post your SoA on the DFW (Debt free wannabe) board and they are very good at helping people sort their finances out. The CC and Loan forum (fora?) regulars have a "tell it like it is" approach which tends to shock most people into having their LBM.

I personally prefer the "tell it like it is" approach but do realise that others need coaxing into realising their debt obligations.