Credit - Will I ever get some again

[TibetanMonk]

Re: Credit - Will I ever get some again

Okay, so Barclays account has just been closed. :3 Needless to say they tried to keep me, however, I know thats only so they can exercise an ROSo. :P Cheeky feckers.

[Sapphire]

Re: Credit - Will I ever get some again

I'm going to tell him unless you pay me one million pounds in used notes

Oh lord and as you know him you could lol

[TibetanMonk]

Re: Credit - Will I ever get some again

You have so much to learn about PlanB! I have 23 creditors and £153k of unsecured debt. I haven't paid any of them a penny since 2010 thanks to AAD. My debts are older than yours so you'll be taking a different approach but you have come to the right place for help. We tend to take a holistic approach to our members which is why we're now looking at your benefit rights and housing issues too. It's all part of the package

We're also never judgemental. There's a different story behind everyone of us in debt and the reasons for it. One of mine was due to my fondness for shopping at Harrods in the past and everyone on here makes fun of it to this day which is fine by me. We use my legal case as a way of helping others fight back against creditors (I won it).

Enjoy: http://www.bbc.co.uk/news/business-17670803

Hey,

Yeah I had been contemplating registering on this site for a while, but never got round to it. Thing is, some people do judge, and its incredibly difficult to find people that dont, and thats why I made the move on registering

It's ironic really, because while in debt I worked for a DMP company, and what's said about them is true, the paid ones are all sharks. Hated working for them.

Oooh, I like a good story :P

[PlanB]

Re: Credit - Will I ever get some again

PlanB - As I'm having a child, a charitable donation from these millions of used notes would be greatly appreciated haha

You have so much to learn about PlanB! I have 23 creditors and £153k of unsecured debt. I haven't paid any of them a penny since 2010 thanks to AAD. My debts are older than yours so you'll be taking a different approach but you have come to the right place for help. We tend to take a holistic approach to our members which is why we're now looking at your benefit rights and housing issues too. It's all part of the package

We're also never judgemental. There's a different story behind everyone of us in debt and the reasons for it. One of mine was due to my fondness for shopping at Harrods in the past and everyone on here makes fun of it to this day which is fine by me. We use my legal case as a way of helping others fight back against creditors (I won it).

Enjoy: http://www.bbc.co.uk/news/business-17670803

[TibetanMonk]

Re: Credit - Will I ever get some again

PlanB - As I'm having a child, a charitable donation from these millions of used notes would be greatly appreciated haha

[PlanB]

Re: Credit - Will I ever get some again

Oh and I have a secret account that my hubby knows nothing about that I have a bit stashed away in, just in case of course

I'm going to tell him unless you pay me one million pounds in used notes

[PlanB]

Re: Credit - Will I ever get some again

In future I'll reply to all within one post.

No it's fine. Feel free to post as much as you like. It keeps me on my toes

[TibetanMonk]

Re: Credit - Will I ever get some again

I've changed my mind ( I'm a woman so I can do that ) because as Niddy rightly pointed out this may draw attention to your creditors.

Haha, thats fine. Yeah, sorry, In future I'll reply to all within one post. :P



Blimey, it's hard keeping up with all your posts and threads Every time I blink there's another one [/QUOTE]

[PlanB]

Re: Credit - Will I ever get some again

PlanB - I've never been on the electoral roll, only because I've never bothered to sign the paperwork and send it off. I am in the midst of doing that, so will let you know when that is finalised.

I've changed my mind ( I'm a woman so I can do that ) because as Niddy rightly pointed out this may draw attention to your creditors.

maybe leave the Electoral Roll until TM has got all his creditors under control.

Blimey, it's hard keeping up with all your posts and threads Every time I blink there's another one

[TibetanMonk]

Re: Credit - Will I ever get some again

Noted - Will leave it for a while

I've changed my email address so they cant find me that way and thus my mobile number has also been changed.

[PlanB]

Re: Credit - Will I ever get some again

However the above said DO NOT rush to get added to it as it's an open invite for creditors to trace you. Take a year or two off

Catch 22. I'm on the Electoral Roll in my maiden name but my debts are in my married name.

But you're right, maybe leave the Electoral Roll until TM has got all his creditors under control.

[TibetanMonk]

Re: Credit - Will I ever get some again

Niddy - My RBS is a Select Silver account, with no OD facility. Had that for about 2 months and not gone overdrawn, which isn't much of an achievement with it being so new :P

I pay £8/£10 monthly charge for the RBS account, and obviously nothing for the NW.

PlanB - I've never been on the electoral roll, only because I've never bothered to sign the paperwork and send it off. I am in the midst of doing that, so will let you know when that is finalised.

[Never-In-Doubt]

Re: Credit - Will I ever get some again

However the above said DO NOT rush to get added to it as it's an open invite for creditors to trace you. Take a year or two off

[PlanB]

Re: Credit - Will I ever get some again

Any suggestions on who I'm likely to be accepted by? Credit Score: 150ish Electorial Roll: No (Will be done soon)

You'll find it hard to get credit if you're not on the Electoral Roll. You should sort that asap. The longer you are on it the better your chances in future. Have you just moved and were you on the Electoral Roll at your previous address? Credit applications ask for your current address and previous address if you've lived at your current address for less than three years.

[Never-In-Doubt]

Re: Credit - Will I ever get some again

Ok you mean your credit card was a decline lol - confuse matters more.

Ok the sole fact you applied would mean you did agree to the terms, if rejected initially they probably then referred it and accepted you - point is the bank will provide a signed copy of the agreement if you push - as it's easy to remedy a tick in the box, they'll just provide a recon.

Close Barclays and get rid mate - not worth the hassle.

Ok so we've established NW is a basic account, your RBS card then, I presume it is the normal card that comes with a basic account? How long have you held that account?

Im asking these questions because RBS is easier to upgrade than Nationwide....