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PROLIANT

TheAnalyst wrote: »

I'm sure I read on this thread that Vanquis only report to Equifax....

This is not the case, Vanquis has just appeared on my Experian file, albeit a month after it showed up on Equifax ?

Good stuff!

It was an assumption as I was informed by Vanquis that they will only report to one CRA, well that is great news as both main files will hold account conduct.

dannynixon

Psycho_Mantra wrote: »

Hi guys,
The best way to ensure you are not charged unduly is to use a prepaid card or a prepaid credit card as they are known. Check out www.prepaid365.com for prepaid cards. They even have a specific section with prepaid cards for gaming and prepaid cards for privacy.

Cheers

But they cost a monthly fee to use. Cashplus is around £4.95 a month

darcyvuqua

PROLIANT wrote: »

Well any news darcy?

still nothing mr p

darcyvuqua

how long does it take to get a reply from an appeal letter????? anyone

Tori_Bellatrix

darcyvuqua wrote: »

how long does it take to get a reply from an appeal letter????? anyone

When I've appealed before it's taken about 2-3 weeks ... without any luck .. but it's not the same for everyone ..

darcyvuqua

on what grounds did you appeal tori?

Tori_Bellatrix

darcyvuqua wrote: »

on what grounds did you appeal tori?

Just reitering the positive information i.e. good salary, on electoral roll, no adverse credit history etc (but at the time I had barely any history so that counted against me)

darcyvuqua

oh right i appealed on the gounds my outstanding debt was paid but not marked satisfied at the time of thier credit search and that i was going through a rough patch when i got my adverse credit but been clean for 3 years after this!!

Tori_Bellatrix

I know this might sound like a daft question but if you pay for a deposit for a holiday on a credit card, is it classed as a purchase or cash advance ..

skyrider007

Tori_Bellatrix wrote: »

I know this might sound like a daft question but if you pay for a deposit for a holiday on a credit card, is it classed as a purchase or cash advance ..

Not as far as I am concerned. Only cash withdrawal, gambling, foreign currency, travelers cheque and certain gift certificate transactions are treated as cash advance.