Sub Prime Credit Card Club

darcyvuqua

credit file fool lol

fairmorn308

c8ndice wrote: »

When I completed my application for the all saints card (same issuer) I also got this message.

A credit agreement was sent out to me within 10 days to sign. The card came soon after.

fingers crossed then. What limit did you get to start with if you dont mind me asking

c8ndice

fairmorn308 wrote: »

fingers crossed then. What limit did you get to start with if you dont mind me asking

£400 on the JJB card. £750 on the other.

fairmorn308

fingers crossed i get it then

Sammy_Girl

darcyvuqua wrote: »

credit file fool lol

I pity the fool.................lol

Can you believe I pay £14.95 every quarter to have the pleasure of reading a carp report on checkmyfile.com. I really do hate Callcredit, they're pants.

Anyway, I have 3 defaults :eek: , but the DCA that the HSBC one sold theirs to decided that they would set up their own account for me on Callcredit as well as HSBC, so I have 2 seperate defaults for the same bloody debt! !!!!!!. Today I made my F&F to settle this default, so when that's all done, then I will be doing a Darcy, firing off 20 letters a day until they remove it. I understand the HSBC default, fair enough, I defaulted on my agreement, but for the DCA to set up a 2nd account is very naughty. Plus I settled a default with Egg in June, and that still isn't showing as settled. Although I did fire off an email to Equifax and they have requested an update from Egg, so we'll see. And my third default was settled September 2007.

On the bright side, I have no outstanding defaults .....just a £3k MBNA bill that I need to pay off by Xmas :eek:

darcyvuqua

oh right so you pretty much in the same boat it proper sucks dont it i hope the lady will give me some good news on monday bless her she was so nice and was up against a p!!ssed off darcy i was nice but would not accept anything she said until i told her what she would do lol i feel bad now but if it gets a result im over it lol

Sammy_Girl

darcyvuqua wrote: »

oh right so you pretty much in the same boat it proper sucks dont it i hope the lady will give me some good news on monday bless her she was so nice and was up against a p!!ssed off darcy i was nice but would not accept anything she said until i told her what she would do lol i feel bad now but if it gets a result im over it lol

Just think, in 10 years time, we'll be sat here chatting on the "super prime credit card club" lol.

Good luck with BG. Sometimes you do just have to put your foot down. You need to be assertive, but not rude, as no one likes talking to a rude person . But it's good that you dropped your friends into the conversation - solicitor, ombudsman, watchdog lol

I really don't have the energy to fight this HSBC default. But I have to if I have any chance of remortgaging next year :mad:

How's the man flu? Did the Night Nurse work

System

Sammy_Girl wrote: »

Good news about the MBNA :j .

It's just so random about the CRAs! Anything I apply for from now on I'm only going to use lenders who search Experian, as they're my good one lol!!

Well Experian are the best ones to have on side!!

See here: http://forums.moneysavingexpert.com/showthread.html?t=1033817

UNDERGROUND

darcyvuqua

cheers underground

man flu is made by the devil himself yeah i could not wake up this morning im going to take two in a mo before bed there the bomb lol

Sammy_Girl

Underground - thanks for that Good to see that Callcredit isn't used too much lol. I think I remember reading somewhere that they exist more for the consumer market rather than the actual lenders market.

Darcy - I love Night Nurse lol. You wake up really crusty and with a dry mouth, but at least you sleep well lol.

I'm going to Alton Towers this weekend :j . Whoop, whoop lol. Gonna get soaked lol