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louiser123

louiser123 wrote: »

no not 2000 1200!!! i dont think they did i only have a check done recently but it was increased to 1200 before the check, mind you once next statement comes it might have gone back to 125!!!!

:eek: well would you fe**kin believe it, i have just logged into my j d williams account and they have removed my credit limit, i had 400 balance and 1200 credit limit, i have the message your account is over limit until you pay 408.08p you can not order!!!!! so my acount has gone from 1200 limit to overlimit by my balance !!! i hope they dont screw my credit file when they update or there will be trouble!! never missed a payment either always get it 2 weeks before its due!! :eek: furious

twiglet333

I cant quite believe the morning I have had. Got a call from a company telling me I have been the victim of ID theft, when I checked its true!!!

I am in Shock! I guess the good thing is, this company acted straight away as it only happened this morning.

They said they were going to set up a CIFAS password for me, so that if I applied for credit anywhere else, I would have to give a specific password which should stop the other person getting more credit in my name, this wont affect my credit rating will it?

sutton111

louiser123 wrote: »

:eek: well would you fe**kin believe it, i have just logged into my j d williams account and they have removed my credit limit, i had 400 balance and 1200 credit limit, i have the message your account is over limit until you pay 408.08p you can not order!!!!! so my acount has gone from 1200 limit to overlimit by my balance !!! i hope they dont screw my credit file when they update or there will be trouble!! never missed a payment either always get it 2 weeks before its due!! :eek: furious

:eek: Bloody hell, why have they done that!!! Are you going to ring them?

kpnut79

Hello everyone.

I have a received a response from Sygma with regards to my CIFAS.. apparently because I moved in to my current address in 2002, but wasn't listed onto the electoral register till 2005 as it was a new property, (council couldn't find it apparently!!) this is the reason. As the new tenants of my old property hadn't bothered to add their details on to the electoral register mine had kept running till I re-registered on it for my new address. So because there are cross wires between moving in dates and registration on electoral register...this resulted in the CIFAS!!

So know I have to prove every little detail before Sygma will remove the CIFAS....what a palava

sutton111

So what do you have to do next?

thriftymomma

Hi everyone. So I have bitten the bullet and made some application.s I tried virgin on the off chance first but not surprisingly they laughed in my face.
Have also applied for Vanquis but got the 10-14 days response, give us more time to tell you you hvae no chance. So will update if I ever hear back. Wish me luck.

kpnut79

sutton111 wrote: »

So what do you have to do next?

I have to prove I have lived where I say I have since I moved in, in 2002! so this can match with my CRA report dates. Also I have to get a letter from the council stating what date I left my previous property as it was a council property!

So they know I am telling the truth about the dates and so they can see the electoral role mix up is actually a mix up and not me trying to play the system as they call it (Leave bad debt at one property, and say I lived elsewhere longer than I have to claim more credit)

I wouldn't mind but I only had 2 defaults and 1 CCJ at my previous property anyhow which were both settled not long after I moved :mad:

kpnut79

Anyhow what do you think now I am in the process of proving i'm not a fraudster..shall I re apply for Flybe pmsl :rotfl:

sutton111

thriftymomma wrote: »

Hi everyone. So I have bitten the bullet and made some application.s I tried virgin on the off chance first but not surprisingly they laughed in my face.
Have also applied for Vanquis but got the 10-14 days response, give us more time to tell you you hvae no chance. So will update if I ever hear back. Wish me luck.

When did you apply, they will ring you in a couple of days if you have been successful. Good Luck.

claire6hy

sutton111 wrote: »

Well have you tried getting a littlewoods catalogue account they report to all three CRAs. Give Capital One ago the worse they can do is say no.

i have a vanquis card, and an additions account, sorry to be useless and lazy, but who do they report to???

if i messed up 4 years ago, will that be gone in 2 or am i mistaken?Xxxxx