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NICHOLAS 39

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Everything posted by NICHOLAS 39

  1. Order made in shop. 11th March order 2 3 sofa £2100 no card payments it was interest free credit no deposit. Also checked my paper work can not see any delivery date. They said 5 weeks
  2. Furniture on 1 year interest free credit would like to cancel. They are unsure when it will arrive due to carona. How do I cancel as the manager said no cancellation is very rude
  3. advice would be appreciated I have built my credit up using Vanquis capital one cards they are high interest cards now my credit is fine I'want to apply for reasonable rate card should i cancel these cards before applying or keep cards advice would be appreciated . second query applied for balance transfer card checked on Experian it said I had 95 %

    of getting card  .  I got declined FOR CARD I  checked with bank who said they believed my income was low and to check with Equifax .  I checked with both credit agency who said they don't keep income history any help would be appreaciated 

    1. Show previous comments  1 more
    2. NICHOLAS 39

      NICHOLAS 39

      I've been employed for five years my income is low.  I'm a home owner I've lived at the address 8 years my credit cards are are both under 40 percent under limit I was told by bank my earnings will not stack up to pay for card payments how does bank know my earnings also tried to compose message but it says 11 content items don't understand appreciate your assistence

    3. NICHOLAS 39

      NICHOLAS 39

      no ccj late payments or defaults hence I used Vanquis and capital one to build credit but now would like to apply for normal credit card but not sure to send my cards back and apply for new ones or keep them and apply do you know best action to take 

    4. unclebulgaria67

      unclebulgaria67

      Pay off the current balances first, before applying for a CC with better interest rate.

       

      It may be that as part of your application you gave your earnings information.  Credit records don't have the information.

  4. hi my sons has a every day loan not sure why they gave it to him he only ever worked 3 months security job he has severe anxiety and colitis he's now waiting pip and he's now on universal credit 

    he has amassed 15 0000 in loans  debts management say they can not put payment plan together as he's not working or making enough money they have advised him to open new bank account close bank account where he has another loan  any assistance would be appreciated. 

    1. unclebulgaria67

      unclebulgaria67

      Suggest that for each loan application an SAR is made to see what information was provided to take out the loan. And to see how the loan provider dealt with the application. You would want to see that your Son provided accurate information and it is just poor lending decisions being made. The SAR's are now free, so no cost apart from any postage. 

       

      Yes open an new basic bank account with a bank where no debt is owed. Make sure any money including benefits is paid into new account. 

       

      In the CAG library, there are letters which can be sent to creditors. He could cancel any direct debit payments and offer say £1 a month to each. He would advise of his ill health with no current employment income, as the reason for this.

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