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moneysavingplumber

doelani wrote: »

I signed up for experian about a week ago and noticed 2 max recovery accounts had disappeared as well, these were also paid off with my IVA which was completed in may. After reading your post have checked again and they are back

Yes I thought my luck was in when they all disappeared about two weeks ago, one's back so I now suspect the other two will be soon, but they don't seem to contribute to the numerical score at all anyway. I'm more concerned that if they don't mark them as satisfied they'll be sold on and I'll have aggravating letters that I'll have to respond to from one of these scrape the barrel agencies that hope people are stupid enough to settle debts they are no longer liable for.

doelani

moneysavingplumber wrote: »

Thanks Doelani, how long did you wait after finishing the IVA?

IVA paid in May and applied in September I think.

Sammy_Girl

fairmorn308 wrote: »

MBNA and flybe are the same APR at 19.9% and cap one is about 32.9 %

Transfer Cap 1 balance to MBNA, then pay MBNA first so that you onlyhave one cc. Psychologically, if you only have one to pay then that's better. Then, funds allowing, give yourself a target of say 4 months to pay off your Fly Be, then Bob's your uncle GL

Sammy_Girl

doelani wrote: »

I wish , still have to iron my clothes and pack case lol

:eek: Good luck lol. Where are you going? Anywhere hot??

fairmorn308

cheers sammy i never thot of it like that

sharon-lalala

londonuk2008 wrote: »

Also I was thinking , this thread has being going since May - I wonder how people's perspective and experiences have changed due to this thread and people helping each other....?

Yep thats going to be the on- going beauty of this thread, people will come and go.........just like in real life!! ( an hopefully come back to tell us how much they,ve achieved):T

Good evening all, glad to hear you are all well and good.:j
Very quick update-Flybe pin arrived Thursday and im on the spend, very carefully and mindful of course-dont want to go back to "stop" on the board!!!
Vanquis have searched on experian but i have come to the decision that even if i am successful i will not go ahead with the account -just out of principle (high Apr) AND I ALREADY HAVE 3 CC ACCOUNTS NOW thanks to you guys so no thank you very much!!!

God that felt good!

sharon-lalala

londonuk2008 wrote: »

Also I was thinking , this thread has being going since May - I wonder how people's perspective and experiences have changed due to this thread and people helping each other....?

Yep thats going to be the on- going beauty of this thread, people will come and go.........just like in real life!! ( an hopefully come back to tell us how much they,ve achieved):T

Good evening all, glad to hear you are all well and good.:j
Very quick update-Flybe pin arrived Thursday and im on the spend, very carefully and mindful of course-dont want to go back to "stop" on the board!!!
Vanquis have searched on experian but i have come to the decision that even if i am successful i will not go ahead with the account -just out of principle (high Apr) AND I ALREADY HAVE 3 CC ACCOUNTS NOW thanks to you guys so no thank you very much!!!

God that felt good!

Sammy_Girl

Right Guys, busy day tomorrow, so I'm off to my bed. Night night all and God bless x

sutton111

sharon-lalala wrote: »

Yep thats going to be the on- going beauty of this thread, people will come and go.........just like in real life!! ( an hopefully come back to tell us how much they,ve achieved):T

Good evening all, glad to hear you are all well and good.:j
Very quick update-Flybe pin arrived Thursday and im on the spend, very carefully and mindful of course-dont want to go back to "stop" on the board!!!
Vanquis have searched on experian but i have come to the decision that even if i am successful i will not go ahead with the account -just out of principle (high Apr) AND I ALREADY HAVE 3 CC ACCOUNTS NOW thanks to you guys so no thank you very much!!!

God that felt good!

when did you apply for vanquis my mum applied a week last thursday, they rang here monday morning to say she has been successful a quick turn round at the moment.

maytaurus

Hi
thanks for all the info on this thread.:beer:
I just wondered if anyone got the message from Amex that says
'We are unable to provide a decision at this time. We have recorded all the relevant information and will finalise your application as soon as possible.'
If so,what happened, or is this just their way off saying you've been refused?