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Sub Prime Credit Card Club

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Comments

  • louiser123
    louiser123 Posts: 1,248 Forumite
    :T im in now mr p!!! posted on the wall:T
    self confessed 80's throwback:D
    sealed pot challenge 2009 #488 (couldnt tell you how much so far as i cant open it to count it!!:mad: )
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    sharon-lalala wrote: »
    Evening all,
    Today i got an email with a copy of credit agreement,also saying when i applied it would have stated if i were successful and what my limit would be-this agreement does not confirm acceptance???? Now what? Dont know if i have been accepted or not. They not checked experian either.
    They send this email out as a std email weather accept or not, Vanquis gave me a card and they did not do a search. ;)
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • Sammy_Girl
    Sammy_Girl Posts: 3,412 Forumite
    louiser123 wrote: »
    OMG im glad i got tabbed browsing im flitting between here and facebook!!! wooho technology.

    I know!! We're constantly gonna be flitting between the two now lol
  • Tribulation
    Tribulation Posts: 4,001 Forumite
    Sammy_Girl wrote: »
    We only bought our house 18 months ago and got our mortgage through SPML - sub prime. Only found out a few weeks ago that SPML are owned by Lehman Brothers :eek: . I know we won't get a prime lender but even if I can find another sub prime at a similar apr to our current one. What with the current market, I'm starting to get a bit nervous :o

    SPML Sub Prime Mortgage Lender :D

    Did exactly the same thing. Went with SPML 18 months ago. Had a good broker though (IMO). Gave me loads of choices, asked whether we wanted 2 year fixed rate, 5 year etc.

    We decided to go with a 2 year fixed rate as I hope to be well enough to be working again by the time 2 years is up, reasoning that come 2 years, we would have a better income and be able to re mortgage with a much better rate.

    Wish I had done 5 years fixed now.

    But Southern Pacific have been great for me. We had a very large interest secured loan before we got our mortgage. The mortgage cut our payments nearly in half.

    Currently on 5.29%
    Martin Lewis is always giving us advice on how to force companies to do things.

    How about giving us advice on how to remove ourselves from any part of     MoneySupermarket.com

    I hereby withdraw any permission Martin might have implied he gave MoneySupermarket.com to use any of my data. Further more, I do not wish ANY data about me, or any of my posts etc to be held on any computer system held by MoneySupermarket.com or any business it has any commercial interests in.
  • sharon-lalala
    sharon-lalala Posts: 155 Forumite
    O.k. i will sit it out and wait!
    If we all took an eye for an eye the world would be blind-(someone said that somewhere) :T

    Wins Cheltenham tickets, edible garden show tickets +£25 voucher, underground disco C.D (comping since feb2011)
    Thank you all competition posters!
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    So these Sub Prime Mortgages, are they underwritten by the main banks or is it all private lending etc?
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • louiser123
    louiser123 Posts: 1,248 Forumite
    Sammy_Girl wrote: »
    I know!! We're constantly gonna be flitting between the two now lol

    my eyes are going blurred now !!! lol :rotfl:
    self confessed 80's throwback:D
    sealed pot challenge 2009 #488 (couldnt tell you how much so far as i cant open it to count it!!:mad: )
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    LONDON, I have added somebody I think was you but not sure, do you have picture or not? There seems to be a few of you.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • Tribulation
    Tribulation Posts: 4,001 Forumite
    Wonder if I should phone up Lloyds and say that now I part own them, being a tax payer, can I have a proper account please instead of my basic one :D
    Martin Lewis is always giving us advice on how to force companies to do things.

    How about giving us advice on how to remove ourselves from any part of     MoneySupermarket.com

    I hereby withdraw any permission Martin might have implied he gave MoneySupermarket.com to use any of my data. Further more, I do not wish ANY data about me, or any of my posts etc to be held on any computer system held by MoneySupermarket.com or any business it has any commercial interests in.
  • sharon-lalala
    sharon-lalala Posts: 155 Forumite
    PROLIANT wrote: »
    So these Sub Prime Mortgages, are they underwritten by the main banks or is it all private lending etc?
    Isnt it a pathway provided by the main banks? Thats my understanding.
    If we all took an eye for an eye the world would be blind-(someone said that somewhere) :T

    Wins Cheltenham tickets, edible garden show tickets +£25 voucher, underground disco C.D (comping since feb2011)
    Thank you all competition posters!
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