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About Me


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  1. Long time viewer so thanks to all the contributors here, it's been a great help! I have sent off for the CCA for a Credit card and a Loan with Halifax. They have sent a letter saying "we'll get it to you when we can". I asked for it within 10+2 days. Is the template online the same for pre and post post 2007 debts? Thank you D This is the letter you need to send (edit to suit and send recorded) Account In Dispute Ref: Dear Sir/Madam Thank you for your letter of xx/xx/xx, the contents of which have been noted. You have failed to respond to my leg
  2. It has come to our notice that Vanquis or its referral agents are making statements to the effect that having a Vanquis card can build your credit score/improve credit lending possibilities. It is well established that Vanquis (Provident group) are lenders to borrowers who have had poor credit histories or have been turned down from the mainstream card issuers. We think that this is miss leading. If you currently have (or have had) a Vanquis card and gone on to apply for a Credit Card from another established card issuer,please post below including; 1.When you took out your
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