Sub Prime Credit Card Club

clio

I have 2 - halifax and nat west. been with halifax over 10 years so it,s not reported on, Nat west about 5 years.

Sammy_Girl

clio wrote: »

I have 2 - halifax and nat west. been with halifax over 10 years so it,s not reported on, Nat west about 5 years.

What kind of accounts are they?

Sammy_Girl

clio wrote: »

ps wonder why they ask about credit card info when its a current account??

Prob, because I applied for the matching cc too

I'm a girl, I need to have matching accessories lol

Bluerover

Well ....have to say Thank you to all of you who contribute to this thread it has kept me informed and above all entertained. :beer: plus I have learnt more since finding this thread than I thought possible so Thank you all.:T


Oh by the way have two defaults both from early 2004 one settled one outstanding in the process of settling and getting removed I hope.

Through reading this thread I have applied for and been accepted for MBNA card straight acceptance:eek: . £1,000 credit limit.
Have also applied for the AL account but did not for some reason put my email address on so awaiting the post...bit more exciting I think.:rolleyes: thats my excuse and I am sticking to it anyhow.:p nothing to do with my "grey moment"

Already have the "obvious" sub prime Capital One with a paltry £200 credit limit; and a Vanquis with a more reasonable £750 just raised from £500.
Also have the LTSB Duo (had since pre default banked with them for 28 years) ....with a fair limit they keep trying to raise I keep requesting they it stays the same.

My good history 5 year loan repayed with LTSB never a late or missed payments on this or the credit cards.....just the two defaults......which drag me down....my own fault but I am playing the waiting game now...and rebuilding my pre default good credit history.

Oh yes Hello :grinheart everyone.

cifpower

I'm bloody raging now. The Orange fraud team has place a bar on my phone because a second contract was opened in my name and hasn't been paid

http://forums.moneysavingexpert.com/showthread.html?t=1175703

darcyvuqua

just a quick one has anyone ever hear of a consent order???????????

cifpower

darcyvuqua wrote: »

just a quick one has anyone ever hear of a consent order???????????

I googled it and got this

http://forums.moneysavingexpert.com/showthread.html?t=191177

darcyvuqua

thanks cif thats what i keep getting not what i was after but thanks mate?

Sammy_Girl

Hi Bluerover and welcome :hello:

Well done on moving up that ladder It is a waiting game, but there is light at the end of the tunnel. I owe a lot to this thread. I have been paying off my debts and trying to keep my file clean. I never even knew that sub prime cards existed, and if it wasn't for this thread, I wouldn't have even thought of applying for any credit until all defaults had "dropped off"!!

Because of this thread, I am now a proud owner of a Cap 1 (£1600), Vanquis (£250), MBNA (£3100) and as of tonight an A&L Premier account (with £100 cashback )

Stick with us and we'll all get there together

clio

Sammy lol aye true hehe..:)
NW is a regular Current account, my Halifax is easycash basic bank account.