Please delete thread

kinh

Please delete thread.

fiesta04

So you have been working at Sainsbury for 4 years and only 19 or is it 20???

F4

Dave_Ham

How many times can you make the same mistake and log in as one of your other accounts.

I wish I had caught the actual thread, as clearly now back working for Sainsburys..!

It actually quite annoys me that the good work that is done on these forums educating, supporting, identifying issues is being used for you to fraudulently submit an application to Halifax.

Your "age" is going to massively work against you, Homes, the other Nosense no tax alias and I still think Halifax will decline you.

And this is no matter how good your "photoshop" skills are as they can tell via the HMRC now exactly how much tax you have paid and I think Sainsburys wont be paying as high as your "new IT/HR job"

When you put some stupid comment back after school, I will not be replying; nor to any other can someone tell me xyz, wanting to buy a newbuild near Solihull - clown

Dave_Ham

And my private message just come through...

Private Message: CLOWN
kinh
Today, 8:59 AM MoneySaving Convert


Join Date: Apr 2013
Posts: 91
Thanked 21 Times in 11 Posts


Cheered up my morning and made me laugh!


CLOWN
YOU ARE A CLOWN, YOUR A FARCE. A BROKER IN A FANTASY WORLD.

GO AWAY YOU FROG, GET A LIFE.

cajef

Dave_Ham wrote: »

And my private message just come through...

CLOWN
YOU ARE A CLOWN, YOUR A FARCE. A BROKER IN A FANTASY WORLD.

GO AWAY YOU FROG, GET A LIFE.

Which just goes to prove what an immature and childish person the poster is, judging by their posts and numerous aliases they appear to be a Walter Mitty character living in a fantasy world.

Thrugelmir

Dave_Ham wrote: »

And my private message just come through...

Private Message: CLOWN
kinh
Today, 8:59 AM MoneySaving Convert


Join Date: Apr 2013
Posts: 91
Thanked 21 Times in 11 Posts


Cheered up my morning and made me laugh!


CLOWN
YOU ARE A CLOWN, YOUR A FARCE. A BROKER IN A FANTASY WORLD.

GO AWAY YOU FROG, GET A LIFE.

Another new user will rise like a Phoenix from the ashes no doubt.

hbomb

Thrugelmir wrote: »

Another new user will rise like a Phoenix from the ashes no doubt.

I think they already have.

ILW

Can nobody do the Google cache thing and retrieve the deleted post?

_Andy_

"Ok, Halifax accept 8/10 applicants and I am the verge of applying to them via a broker.

Facts:
£150,000 new build house
5% deposit
20% from government via Help to buy scheme
LTV = 75% mortgage

£28,000 a year, full time, 4 years at current employment lived at address over 10 years.

Credit file: No defaults, missed payments, ccjs, no financial associations.

Paid off £600 worth of debt couple of days ago, but experian hasn't updated nor has equifax to show this.

Number of credit accounts (including those settled)13
Amount of available credit (excluding mortgages) £3,185
% of your total credit being used (excluding mortgages) 25%
Amount of outstanding debt (excluding mortgages) £1,115
Number of accounts overdue 0
Number of missed or late repayments in the last year 0


Negative factors
You have recently opened 1 or more new credit accounts.

The age of your accounts indicates lenders are likely to view you as higher risk

You have a significant number of recent searches on your credit report

Positive factors
The usage of your available credit indicates a lower risk

7 credit searches in last 12 months, 4 this year, a couple of weeks of each other around 3 months ago.

Do I stand a good chance? I think the credit searches are going to hold me back. "

ILW

He has already posted that a few times.
Salary seems to have gone up, but lost the £4000 per month undeclared.

Dave_Ham

_Andy_ wrote: »

"Ok, Halifax accept 8/10 applicants and I am the verge of applying to them via a broker.

Facts:
£150,000 new build house
5% deposit
20% from government via Help to buy scheme
LTV = 75% mortgage

£28,000 a year, full time, 4 years at current employment lived at address over 10 years.

Credit file: No defaults, missed payments, ccjs, no financial associations.

Paid off £600 worth of debt couple of days ago, but experian hasn't updated nor has equifax to show this.

Number of credit accounts (including those settled)13
Amount of available credit (excluding mortgages) £3,185
% of your total credit being used (excluding mortgages) 25%
Amount of outstanding debt (excluding mortgages) £1,115
Number of accounts overdue 0
Number of missed or late repayments in the last year 0


Negative factors
You have recently opened 1 or more new credit accounts.

The age of your accounts indicates lenders are likely to view you as higher risk

You have a significant number of recent searches on your credit report

Positive factors
The usage of your available credit indicates a lower risk

7 credit searches in last 12 months, 4 this year, a couple of weeks of each other around 3 months ago.

Do I stand a good chance? I think the credit searches are going to hold me back. "

I think that you are held back by nature, rather than credit file

With love,



Clown