Sub Prime Credit Card Club

fairmorn308

helicopter been canceled totaly crap always the same never got off in time yet.

I had a very basic account with them and it had no overdaft etc. I incurred bank charges from them with put me into a debt with them and it mounted up and they put a default on my account. Good thing is I never did pay the charges and they closed the account but i took them to court and got all charges back from them. They got there money by selling the debt anyway.

My OH said they sent me a letter asking to pop in and see the manager of my local bank. I think if i go it will be with a voice recorder.

So the default was due to unlawful bank charges

doelani

slim2100 wrote: »

I have 18 defaults registered with Experian and over 50 searches but no CCj.
I think all what they care about is: to be in the electoral roll for few years and No CCj.

Good Luck to all

Must just not liek me lol

between us we have 15 defaults , no CCJ. 8 accounts all 100% on file including old mortgage and new one ( 3 months) and income of £40k.............still said no lol

Sammy_Girl

Aah, I see. That's good for you

I'll just have to sit tight and wait my 4 and a half years lol.

Why has the helicopter been cancelled? Is it due to bad weather. That sucks.

fairmorn308

no due to russian goverment being !!!!!! again.

DIVA07984

Well i have a couple that show green - and some very ugly reds

I hadnt applied to anyone for ages untill the other day - the only thing i kept trying to upgrade my step a/c - even on friday i received a call from someone in my branch - who said he was calling to upgrade me etc - anyway once again decline - the guy said he appealed with head office - becauese my account is run well - but they said NO

about 5/6 months ago i tried lloyds - they only got to my address part - and then they declined that was for a basic account - since then i have gone to yorkshire but it is just so far.

darcyvuqua

well i have been playing on my wii with my new tv man its great i will email you now diva sorry about the wait i got engrossed in the game lol

sutton111

DIVA07984 wrote: »

Well i have a couple that show green - and some very ugly reds

I hadnt applied to anyone for ages untill the other day - the only thing i kept trying to upgrade my step a/c - even on friday i received a call from someone in my branch - who said he was calling to upgrade me etc - anyway once again decline - the guy said he appealed with head office - becauese my account is run well - but they said NO

about 5/6 months ago i tried lloyds - they only got to my address part - and then they declined that was for a basic account - since then i have gone to yorkshire but it is just so far.

Barclays do a connect card (visa debit) on there cash account now try them.

darcyvuqua

diva the email is sent let me know how you get on i will post any progress i make on this thread good luck

Grousey

darcyvuqua wrote: »

do you have any adverse credit mate??
well done on the card not a bad limit when the sub prime card wont touch you:rotfl: :rotfl: :rotfl:

My background is probably a bit different from most...

I have some horrendous adverse credit mostly dated around 2003. 2 very sizable CCJ's (Thousands not hundreds) and double figures on the default count.

In 2004 I landed a well paid job and have progressed my career since then allowing me to really improve my situation over the past few years. I haven't missed a payment or even gone overdrawn in years... however my past is STILL causing me issues.

I had to get my mortgage with Accord under their "near prime" rating and still only have a basic bank account and have been declined for a regular account many times.

I've also been declined by every sub prime credit card company inside the past 12 months until Flybe accepted me for a prime card this week.

I got an instant approval online too, didn't have to wait 7-10 days for underwriter to decline which is my usual response.

sutton111

Grousey wrote: »

My background is probably a bit different from most...

I have some horrendous adverse credit mostly dated around 2003. 2 very sizable CCJ's (Thousands not hundreds) and double figures on the default count.

In 2004 I landed a well paid job and have progressed my career since then allowing me to really improve my situation over the past few years. I haven't missed a payment or even gone overdrawn in years... however my past is STILL causing me issues.

I had to get my mortgage with Accord under their "near prime" rating and still only have a basic bank account and have been declined for a regular account many times.

I've also been declined by every sub prime credit card company inside the past 12 months until Flybe accepted me for a prime card this week.

I got an instant approval online too, didn't have to wait 7-10 days for underwriter to decline which is my usual response.

how long ago did you apply for a sub prime?