Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Hi Sorry but why am I getting email after email about this post sent to me ?   
    • if your loan is an unsecured loan, but you own a home were they to make you bankrupt, could you lose the home....... .............   i will assume you are talking about your wife's debts? as you've said YOU don't own a home ?  
    • Shops at the retail park beside me were mobbed today, last week the motorway between Glasgow and Edinburgh was as busy as it ever has been.
    • I have a loan with Commsave dx, the deductions come straight from my wages. When you join you tell them how much you want to save either weekly or monthly and you authorise them take deductions from your wages towards your savings account with them, same thing apply's when you have a loan with them.
    • I went from Virgin Media to Sky Q earlier this year as I wasn't a great fan of Tivo and was keen to try Sky Q.   When it was installed, I was offered the chance to replace my aging (ten year old) dish which I accepted.   In the last few days, I've come to the conclusion that Sky Q isn't for me and that I'd ideally like to downgrade it at the end of my contract to go back to using my old Sky+ HD box, which I still have.   Much to my surprise, I subsequently found out that the LNB on my dish would not be compatible as Q uses a special "wide band" LNB and the older boxes do not.   I contacted Sky to confirm this, which they did.   They also told me that there would be nothing they could do and that if I wanted to continue using my dish with my older box then I would have to pay to get it re-fitted myself which, after some investigation, would cost me at least £150 pounds.   The issue of future compatibility wasn't mentioned anywhere in the literature or the official Sky Q contract, but the Sky employee I was talking to agreed that it could present a problem and said that he would pass it "up the ladder" to see if the wording could be changed to better explain it to prevent any future problems - all the while telling me there was nothing they could do for me specifically.   I understand that I'm getting the service I paid for, which I have no issue with.   I understand that I'm only loaning the equipment and that it has to be returned at the end of the contract.   That I also have no problem with.   The contract also states that the dish becomes mine at the point of installation as well, which is also fine.   Basically, Sky have provided the service stated in the contract.   My problem with this is that Sky must clearly know that many people use, and still use, older boxes.   They still sell viewing cards for these older boxes, so that in itself should be enough to prove that they are aware of the compatibility issues between the two pieces of hardware.   Should there not have been even a small advisory akin to "Customers please note: Sky Q dishes are not compatible with older hardware" ?   By choosing to omit this information,  it not only prevented me from making an informed decision at installation, as I could have apparently asked for what's called a "Hybrid LNB" which would be compatible with older hardware, but it will also leave me significantly out of pocket at the end of the contract.   Is there anything in this ?.  Can I challenge this in any capacity ?.   Ideally, I'd like them to let me out of the Sky Q contract so I can downgrade to the Sky+ HD box I own, but I accept this will likely not be possible.   I'd be interested in your thoughts.   Thankyou.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 6 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
obiter dictum

Soft Credit Check??

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1482 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Now that i have a clean credit record being inundated with offers for credit cards etc through the post and email. I have no interest in taking up any offers but they all say:

 

Be 100% certin you will be accepted before you apply

 

This is through a "Soft cedit check" that will not be recorded as a search

 

So what exactly do they see on my credit file with a soft search compared to a full credit check that will be recorded?

Share this post


Link to post
Share on other sites

Just an upate on this::

 

I currently have a Vanquis card, have had it for three years. Started off with a £250 credit limit which now stands at £2500 for which i pay off in full each month. The only probem with Vanquis is their eye watering 59.9% APR which they will not change

 

I have just done this online soft credit check application with Capital One. I was accepted then transfered to full credit check mode. That came back as accepted with a credit limit of £2000 for their Balance plus card with a 19.9% APR.

 

Having built up a good relationship over the last few years with Vanquis it is now time to part company. It is now hello Capital One simply due to the greed of Vanquis. Seems customer loyalty means nothing to them.

Share this post


Link to post
Share on other sites

 

That came back as accepted with a credit limit of £2000 for their Balance plus card with a 19.9% APR.

 

 

My Cap 1 cards a Mastercard, interest at 30% which isn't great. Like you I started with a £250 credit limit but paid the card off each month.

Limits now up to £4,450. They seem to increase it every 8 months.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Now i am with Capital One i can if i wish spread any payments instead of paying the full balance each month. 19.9% APR is a hell of a lot better than Vanquis 59.9%. Argos store card is only 30% APR

 

Do not get me wrong, Vanquis has been good to me where others would not give me a credit card. It did exactly what it stated on the tin. That is positive credit markers each month with the credit agencies as a credit rebuilding tool

Share this post


Link to post
Share on other sites

Yes my credit history was trashed a few years ago and I went with Barclaycard and Capital One with limits of £200 and £250, I've ran the cards in the proper manner and the limits are now a lot healthier and my credit ratings without a doubt a lot better than it was.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

Just updating and i am quite impressed with Capital 1

 

Applied for the card and was accepted on Saturday, Monday beng a Bank Holiday. Today i get my Pin number in the post and an email stating my Direct Debt has been set up. Card due to be delivered Tomorrow or Friday

 

They do not hang about

 

This Soft credit check is not a bad thing to confirm acceptance as a hard check has now been recorded on my credit file

Share this post


Link to post
Share on other sites

Just bringing this thread to a close.

 

Capital 1 Card received this morning. That is exactly 7 days after i made the application including the bank holiday. Direct Debt, Online account management and PIN all received.

 

This soft credit check service for any credit application is not bad. It is highly recommend to everyone as it does not leave a hard footprint on your credit file incase you are declined.

 

And i can now ditch Vanquis and pay less than half the APR i am currently paying

Share this post


Link to post
Share on other sites

I think if you use a website called fluid they do a soft check for you and see what cards you can apply for, there's also a section in clear score that shows your percentage change of what card you will get if you apply

 

To keep an eye on your credit report I can suggest

 

1 Noddle Free all the time (with aqua card you do get extra benefits)

 

2 Clearscore free all the time

 

3 Barclaycard now offer your exprian credit score for free on the android app on your phone

Share this post


Link to post
Share on other sites
My Cap 1 cards a Mastercard, interest at 30% which isn't great. Like you I started with a £250 credit limit but paid the card off each month.

Limits now up to £4,450. They seem to increase it every 8 months.

 

Limits not £4,450 it's £2,450.

 

Regarding Barclaycard free Experian credit score, the score's the only thing you get and it's updated every 60 days.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

After earlier singing the praises of Vanquis for which i now retract that.

Decided to go to Capital 1 as vanquis has done its job with elevating my credit rating.

 

Had a small balance outstanding of £160 so decided to do a Balance Transfer of £160 from my new capital 1 card. I need a new fridge freezer so i thought i would take advantage of the 0% balance Transfer.

 

Payment made last week by Capital 1 for which Vanquis are now telling me it takes on average 10 days to credit to my account even though transfer made bank to bank. This is unacceptable to gain a few more days interest out out you. I changed cards because Vanquis would not lower my APR of 59.9% and now this.

 

The way they treat loyal customers leaves a very bad taste in the mouth and i am better off out.

Edited by obiter dictum

Share this post


Link to post
Share on other sites

report Vanquis in this matter, I spoke to regulator and they said you need to make it official complaint for them to take it up/


:mad2::-x:jaw::sad:

Share this post


Link to post
Share on other sites

What a surprise, not

 

Just received an email From Vanquis Raising my Credit limit from 2.5 k to 3 k starting in 4 weeks .

 

To late i have already cut up my card

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...