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Results: Which sub-prime car do you own?

Vanquis

57.86% • 81 votes

Capital One

55.71% • 78 votes

Aqua

20.71% • 29 votes

Barclaycard Initial

11.43% • 16 votes

Other

10.71% • 15 votes

You may not vote on this poll

140 votes in total.

  • FIRST POST
    • cifpower
    • By cifpower 29th Apr 09, 1:20 PM
    • 6,448Posts
    • 4,093Thanks
    cifpower
    Sub Prime Credit Thread Part III
    • #1
    • 29th Apr 09, 1:20 PM
    Sub Prime Credit Thread Part III 29th Apr 09 at 1:20 PM
    PART I

    PART II

    Welcome to the shiny and fantabulous second sequel to the Sub Prime Credit Thread. I hope you enjoy the pleasant surroundings. Enjoy the food and please tip your waitresses.

    Capital One



    Vanquis - go through Quidco for cashback



    Aqua



    Barclaycard CreditBuilder



    Littlewoods



    Jacamo



    or any catalogue from Home Shopping Direct



    a list of basic bank accounts
    Last edited by cifpower; 30-04-2009 at 4:34 PM.


Page 3
    • cifpower
    • By cifpower 29th Apr 09, 4:15 PM
    • 6,448 Posts
    • 4,093 Thanks
    cifpower
    :confused:
    Originally posted by sutton111
    Its like him and his team are a clique and if you don't listen every day you feel a bit left out


    • sutton111
    • By sutton111 29th Apr 09, 4:17 PM
    • 6,250 Posts
    • 6,619 Thanks
    sutton111
    I have no idea who you're all talking about, so I'm going to play the xbox.

    (Wow, I sound like a 10 year old )
    Originally posted by TheEffect
    Don't you listen to the Radio then Effect?
    • sutton111
    • By sutton111 29th Apr 09, 4:18 PM
    • 6,250 Posts
    • 6,619 Thanks
    sutton111
    Its like him and his team are a clique and if you don't listen every day you feel a bit left out
    Originally posted by cifpower
    Ah. I know what you mean.
    • duggie1982
    • By duggie1982 29th Apr 09, 4:28 PM
    • 699 Posts
    • 362 Thanks
    duggie1982
    Swine flu CONFIRMED in London!!!!!
    Originally posted by Innocent_Guy

    Well do we need credit now? We might all die, may as well close this thread now lol

    • sutton111
    • By sutton111 29th Apr 09, 4:42 PM
    • 6,250 Posts
    • 6,619 Thanks
    sutton111


    PLEASE BE ADVISED TROLLING IS BANNED FROM THIS THREAD!!!
    Originally posted by Innocent_Guy

    What are you doing on here then? LOL
    • nzseries1
    • By nzseries1 29th Apr 09, 4:44 PM
    • 2,144 Posts
    • 1,851 Thanks
    nzseries1
    You're spelling is effecting me so much. Im trying not to be phased by it but your all making me loose my mind on mass!! My head is loosing it's hair. I'm going to take myself off the electoral role like I should of done ages ago and move to the Caribean. I already brought my plane ticket, all be it a refundable 1.
  • londonuk2008
    Swine flu CONFIRMED in London!!!!!
    Originally posted by Innocent_Guy
    well I'm stocked up in case I have to stay home..
    • TheEffect
    • By TheEffect 29th Apr 09, 4:53 PM
    • 2,249 Posts
    • 1,761 Thanks
    TheEffect
    Don't you listen to the Radio then Effect?
    Originally posted by sutton111
    Not the Radio 1 or Radio 2. It's either Heart 106.2 (London) or Kiss 100 (London) for me.

    I just got an email from Aqua.

    Dear Mr XXXX

    Thank you for your recent request to amend your credit limit.
    We've reviewed your credit limit, and unfortunately on this occasion we're unable to approve your request. Your credit limit will therefore remain unchanged at this time.

    Thanks
    Helen L Donaldson
    Relationship Servicing Team 3
    Customer Services and Support
    • sutton111
    • By sutton111 29th Apr 09, 4:54 PM
    • 6,250 Posts
    • 6,619 Thanks
    sutton111
    Originally posted by nzseries1

    Have you gone mad Nzseries?
    • sutton111
    • By sutton111 29th Apr 09, 4:57 PM
    • 6,250 Posts
    • 6,619 Thanks
    sutton111
    Not the Radio 1 or Radio 2. It's either Heart 106.2 (London) or Kiss 100 (London) for me.

    I just got an email from Aqua.

    Dear Mr XXXX

    Thank you for your recent request to amend your credit limit.
    We've reviewed your credit limit, and unfortunately on this occasion we're unable to approve your request. Your credit limit will therefore remain unchanged at this time.

    Thanks
    Helen L Donaldson
    Relationship Servicing Team 3
    Customer Services and Support
    Originally posted by TheEffect
    What did you want the increase for?

    So you commercial radio then Effect!
    • TheEffect
    • By TheEffect 29th Apr 09, 4:59 PM
    • 2,249 Posts
    • 1,761 Thanks
    TheEffect
    I asked for an increase for no reason. Makes no difference as there's no credit check. I asked for £250 to go to £500. Only had the account since February. Cheeky me.
    Not going to use Vanquis anymore, just CapitalOne and Aqua.
  • seeya23


    I just got an email from Aqua.

    Dear Mr XXXX

    Thank you for your recent request to amend your credit limit.
    We've reviewed your credit limit, and unfortunately on this occasion we're unable to approve your request. Your credit limit will therefore remain unchanged at this time.

    Thanks
    Helen L Donaldson
    Relationship Servicing Team 3
    Customer Services and Support
    Originally posted by TheEffect

    good evening to all
    i got the same emaill
    Last edited by seeya23; 29-04-2009 at 5:03 PM.

    • TheEffect
    • By TheEffect 29th Apr 09, 5:03 PM
    • 2,249 Posts
    • 1,761 Thanks
    TheEffect
    Ah well, I'll ask next month.
    • cifpower
    • By cifpower 29th Apr 09, 5:05 PM
    • 6,448 Posts
    • 4,093 Thanks
    cifpower
    I'm off to my friends' to give them their wedding anniversary present


  • seeya23
    Ah well, I'll ask next month.
    Originally posted by TheEffect
    you have to wait 6 month then ask

    • sutton111
    • By sutton111 29th Apr 09, 5:06 PM
    • 6,250 Posts
    • 6,619 Thanks
    sutton111
    Not in the slightest
    Originally posted by cifpower

    Did you hear anything from Tesco or Flybe?
    • cifpower
    • By cifpower 29th Apr 09, 5:08 PM
    • 6,448 Posts
    • 4,093 Thanks
    cifpower
    Did you hear anything from Tesco or Flybe?
    Originally posted by sutton111
    Nothing at all


    • TheEffect
    • By TheEffect 29th Apr 09, 5:12 PM
    • 2,249 Posts
    • 1,761 Thanks
    TheEffect
    you have to wait 6 month then ask
    Originally posted by seeya23
    I was told by the CS guy that I can ask for a limit increase around 3/4 months. He said they should review my account next month anyway.

    I'm not that bothered if it gets raised or not. I don't really use them much. Mainly run them up to £200, then pay £100 off each month when I get paid, letting them make a little interest off me. Think the limits at £190 on Aqua and £150 on Vanquis. I should pay £100 off them both next month.

    Oh, I also got the decline letter from BarclayCard today. That took them.... a long time to post.
  • seeya23
    Hello Mr xxxxxx,


    Thank you for choosing an Abbey bank account.

    To reassure you that this e-mail is from Abbey, your online application reference number (OLA), that we provided at the end of your online application and asked you to note down, is included in the title of this e-mail.

    We're pleased to let you know that we've opened an Abbey bank account for you.

    What's next?

    You will shortly receive your card pin number, e-banking passcode and registration number to the address you provided in your application. We can't discuss account specific information in this e-mail, so if you requested an advance overdraft you can see the initial limit we've provided by logging into online banking, calling us on 0845 9 724724 or checking your first statement.

    If you already bank online with Abbey you may wish to add your bank account to your existing portfolio. To do this please call us on 0845 9 724724 when you receive your card.

    If at any point in the future you would like to switch your main bank account to Abbey from another bank, please complete the attached Switcher Pack and write ‘BANK' with your OLA number, your name and date of birth on the front page of the form. All pages should be completed in full and signed. A separate credit box should be completed for each regular credit to be made to the account. Please return this with your most recent full month's bank statements. We also need confirmation of your current authorized overdraft limit if you have one (often found on your statement).

    Send the completed pack to:

    Freepost RRTL-RXRL-JUEA,
    Abbey Account Openings - BANK,
    9 Nelson Street,
    Bradford,
    BD1 5AN

    If you would like to request a cheque book please complete the attached cheque book request form, when you have received your sort code and account number in the post, and return it to the above address.

    The attached user guide gives you more information about how your bank account works, so you can make the most of your money. Terms and conditions are also attached. We suggest that you print or save these documents for future reference. To view this file you need to have Adobe Reader installed. If you don't already have it you can download it for free from the Adobe Reader website.

    If you have any questions about this, please give us a call on 0800 731 7774, we're available between 8am to 9pm Monday to Friday and 10am-4pm on Saturday and Sunday or pop into your local branch.

    To find details of your nearest branch, please visit our website:

    www.abbey.com

    From the homepage, click on 'Find your local branch' in the top right-hand corner.

    Yours Sincerely


    Saundra Ruttledge
    Business Manager, Contracting & Cancellations

    now i can say good bye 2 natwest
    Last edited by seeya23; 29-04-2009 at 5:29 PM.

    • sutton111
    • By sutton111 29th Apr 09, 5:15 PM
    • 6,250 Posts
    • 6,619 Thanks
    sutton111
    Hello Mr xxxxxx,


    Thank you for choosing an Abbey bank account.

    To reassure you that this e-mail is from Abbey, your online application reference number (OLA), that we provided at the end of your online application and asked you to note down, is included in the title of this e-mail.

    We're pleased to let you know that we've opened an Abbey bank account for you.

    What's next?

    You will shortly receive your card pin number, e-banking passcode and registration number to the address you provided in your application. We can't discuss account specific information in this e-mail, so if you requested an advance overdraft you can see the initial limit we've provided by logging into online banking, calling us on 0845 9 724724 or checking your first statement.

    If you already bank online with Abbey you may wish to add your bank account to your existing portfolio. To do this please call us on 0845 9 724724 when you receive your card.

    If at any point in the future you would like to switch your main bank account to Abbey from another bank, please complete the attached Switcher Pack and write ‘BANK' with your OLA number, your name and date of birth on the front page of the form. All pages should be completed in full and signed. A separate credit box should be completed for each regular credit to be made to the account. Please return this with your most recent full month's bank statements. We also need confirmation of your current authorized overdraft limit if you have one (often found on your statement).

    Send the completed pack to:

    Freepost RRTL-RXRL-JUEA,
    Abbey Account Openings - BANK,
    9 Nelson Street,
    Bradford,
    BD1 5AN

    If you would like to request a cheque book please complete the attached cheque book request form, when you have received your sort code and account number in the post, and return it to the above address.

    The attached user guide gives you more information about how your bank account works, so you can make the most of your money. Terms and conditions are also attached. We suggest that you print or save these documents for future reference. To view this file you need to have Adobe Reader installed. If you don't already have it you can download it for free from the Adobe Reader website.

    If you have any questions about this, please give us a call on 0800 731 7774, we're available between 8am to 9pm Monday to Friday and 10am-4pm on Saturday and Sunday or pop into your local branch.

    To find details of your nearest branch, please visit our website:

    www.abbey.com

    From the homepage, click on 'Find your local branch' in the top right-hand corner.

    Yours Sincerely


    Saundra Ruttledge
    Business Manager, Contracting & Cancellations
    Originally posted by seeya23

    Congratulations Seeya.

    What's on your credit file seeya? Any recent improvements?
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