natwest behavior score help please

Tori_Bellatrix

That doesn't sound very fair .. you could always write to them and appeal their decision ...

Night-owl_6

Tori_Bellatrix wrote: »

That doesn't sound very fair .. you could always write to them and appeal their decision ...

The reps round here are a waste of time.
When I took my loan with them, I was going to repay it early anyway, but weeks passed with no rep calling, I was sent a letter saying the rep was unable to call and that they would in a few weeks to collect all the back payments, they never called, months had passed and by then I hyad received a letter from Provident head office saying that if I failed to make payment in 14 days the account would be passed to debt collectors, I went into one of there offices with all that I owed them, in cash and they refused to take it saying "we cant take money" I thought :eek:
I would never use Provident again, as I have received nasty letters from them and there level of maners is rubbish.
I think its pointless writing to them, as even when I went to there office they couldnt help, good ideal though.
The only good thing is they never marked my credit file, by I think the debt colletion agency removed it,
My advise - stay well clear of Provident personal credit at all costs they dont want you to repay the money early so they can charge you 183.2% APR :eek: :eek: :eek:

darcyvuqua

sorry guys i got it wrong i have been provisionly approved just waiting for a phone call about my t&c's so hopefully i will get it would count my chicken till they hatch if you know what i mean

Night-owl_6

darcyvuqua wrote: »

sorry guys i got it wrong i have been provisionly approved just waiting for a phone call about my t&c's so hopefully i will get it would count my chicken till they hatch if you know what i mean

Sorry to hear that.
Hopefully itll still work out :cool:

darcyvuqua

i hope so they seemed to think that after the call i will be accepted in the call centre but they cannot say yes or no as it was still waiting conformation

Night-owl_6

darcyvuqua wrote: »

i hope so they seemed to think that after the call i will be accepted in the call centre but they cannot say yes or no as it was still waiting conformation

I was let down with Capital One a few weeks ago, got a letter saying "Your card will be with you in 7 days after signing and returning the enclosed agreement"
However, I rang them after 14 days had passed and no thing, told me they did another check and that they had refused me:(
I was disappointed, I really had thought I was accepted.
I will try another credit card once afew serachs drop off
Around 2 months time I think till most of them come off:cool:

darcyvuqua

what i kick in the teeth night-owl if i dont get this card im going to wait a year with no searches and a year of healthy 0's with all debt paid off (ccj defaultsx2) in hope that that will make a real difference

Night-owl_6

darcyvuqua wrote: »

what i kick in the teeth night-owl if i dont get this card im going to wait a year with no searches and a year of healthy 0's with all debt paid off (ccj defaultsx2) in hope that that will make a real difference

Thats what I am trying to do now, have to admit im 1 month in nearly with no credit applications but its hard as you really want to re-apply for a card now, but I keep telling myself waiting will make me more likely to get a card:j
I am still waiting the refusal letter from Cap1

darcyvuqua

haha its the inner credit demoned i have it too i always say i will wait i get to about 4 month and i think oh well i will have a go it is so hard but i need to stop and have a clean goodish looking file im fed up of being high and dry on the shelf

Night-owl_6

darcyvuqua wrote: »

haha its the inner credit demoned i have it too i always say i will wait i get to about 4 month and i think oh well i will have a go it is so hard but i need to stop and have a clean goodish looking file im fed up of being high and dry on the shelf

I know the feeling.
I have never owned a credit card, but cant get one for some unknown reason to myself.
I admit I have had a little bad credit but I only have one default now and one late payment, I am putting it down to electoral register not informing CRAs correctly and having to many searchs, I think longest I have got was around 5 months, then I applied for credit.
I have 30 active credit accounts:o