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  • #1

    Moving money about



    I have balances on a Flybe and Tesco Mastercard that i am hoping to port over to an Interest free card with view to paying off ASAP.

    My most recent default was June 2011 so I called my Bank (lloyds) to see if i was showing eligibility for one of their balance transfer cards and sadly not. Call taker advised to call back on the 13th of the month as that's when their records are updated.

    I will do this, but assuming its a no, should i:

    a) give it some more time (3 years clear of default was June 2014) and try Lloyds again
    b) See if its third time lucky with Creation and see if they will give me a second balance transfer card
    c) Try and pay of the flyebe ASAP, close it and see if they will consider me as as new customer to pay off the (would be one Mastercard off)
    d) Get an Equifax report just incase one of the DCA's has put something naughty on there i don't know about!

    I should add i have followed Niddy's advice on paying a bit more than the DD's on the two cards and also i know Lloyds isn't a CPD99 marker as they allowed me a second current account back last year with a debit card.
    Cheers!
    When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.
    Tags: accounts, advice, balances, bank, bank of scotland, barclaycard, barclays, card, cards, cra, credit, cross, current account, customer, data, date, dca, dca's, debit card, default, details, equifax, fine, free, halifax, hbos, increase, interest, land, lloyds, loan, mas, mastercard, money, niddy, overdraft, plastic, roso, sainsburys, scotland, stay, stop, tesco, update, work
  • #2
    Re: Moving money about

    Just called Lloyds again and i am not pre-approved a balance transfer card due to data provided from the credit report agencies. ah well.
    Other than stop moaning, any suggestions welcome!
    Last edited by SA Gold; 15 August 2014, 11:16.
    When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

    Comment

    • #3
      Re: Moving money about

      stop applying mate - chill. Wait a few months
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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      • #4
        Re: Moving money about

        Originally posted by Never-In-Doubt View Post
        stop applying mate - chill. Wait a few months
        will do chiefton, thanks
        When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment

        • #5
          Re: Moving money about

          I was passing a Lloyds branch on Saturday so called in. Fella there said nothing pre-approved and must be a result of CRA as cant see anything wrong with way accounts are being run.

          I guess just wait a few more months and see if Lloyds offer me one, or i guess i could try and get a second balance transfer card with Creation.

          This is assuming something hasn't been added to my credit file of course! Or the other option i have is to shut the **** up

          When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment

          • #6
            Re: Moving money about

            That's a shame mate. Have you tried opening hbos accounts as it's easier to get plastic out of them - or Bank of Scotland
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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            • #7
              Re: Moving money about

              Originally posted by Never-In-Doubt View Post
              That's a shame mate. Have you tried opening hbos accounts as it's easier to get plastic out of them - or Bank of Scotland
              morning mate.
              I certainly could try that, but just to re-cap your memory (i could never remember a fraction of the framework and different members situations as you do!) - should it be relevant:

              I have an outstanding loan with Sainsbury's (and not sure if it would start a cauldron up)
              You said i didn't have CPD99 because Lloyds gave me a second current account with debit card
              I was with Lloyds prior to the merge with HBOS.

              Sorry if that has no bearing at all!

              Edit: Did you mean try and apply for a credit card with RBS, or set an account up and see what is offered (if anything). I notice they offer an approval indicator
              When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment

              • #8
                Re: Moving money about

                How old is Sainsburys loan (last paid/default date)? Cross business don't utilise ROSo - Barclays / Barclaycard being the exception to that rule so if you owe Sainsbury's that shouldn't impact too heavily on HBOS (likewise, Lloyds)....

                As a Lloyds customer do you see available overdraft like hbos used to give - presumably it's the same processes? I'm wondering if you go to bank of Scotland site and login using Lloyds details. Does that work? I could login to Halifax and BOS but not Lloyds.

                Anyway im not encouraging you. Lloyds is fine. Stay with them for now pal
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                Comment

                • #9
                  Re: Moving money about

                  Originally posted by Never-In-Doubt View Post
                  How old is Sainsburys loan (last paid/default date)? Cross business don't utilise ROSo - Barclays / Barclaycard being the exception to that rule so if you owe Sainsbury's that shouldn't impact too heavily on HBOS (likewise, Lloyds)....

                  Stopped paying February 2011 mate.


                  Originally posted by Never-In-Doubt View Post
                  As a Lloyds customer do you see available overdraft like hbos used to give - presumably it's the same processes?

                  I do mate. The options i have are to increase or cancel the current one (£250)


                  Originally posted by Never-In-Doubt View Post


                  I'm wondering if you go to bank of Scotland site and login using Lloyds details. Does that work? I could login to Halifax and BOS but not Lloyds.


                  Anyway im not encouraging you. Lloyds is fine. Stay with them for now pal

                  Can't log in to Bank of Scotland with Lloyds credentials.




                  Click image for larger version Name: bos_with_lloyds_credentials.JPG Views: 1 Size: 57.5 KB ID: 1401892
                  When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment

                  • #10
                    Re: Moving money about

                    But if you try and edit your OD it's not a live app. It's based on internal score since last feed so just try and increase it a few days after the monthly feed update and you'll find eventually it'll say no (your internal limit maximum).

                    Try £300 and if yes try increasing in various multiples lol. Mine went to over £3k at one time. I started with £1300 and entered £2000 (applied immediately) I then put £2500 (again applied immediately) I then put £3k and after it applied it I thought sod this. Lol. I never did see my maximum.
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                    Comment

                    • #11
                      Re: Moving money about

                      Originally posted by Never-In-Doubt View Post
                      But if you try and edit your OD it's not a live app. It's based on internal score since last feed so just try and increase it a few days after the monthly feed update and you'll find eventually it'll say no (your internal limit maximum).

                      Try £300 and if yes try increasing in various multiples lol. Mine went to over £3k at one time. I started with £1300 and entered £2000 (applied immediately) I then put £2500 (again applied immediately) I then put £3k and after it applied it I thought sod this. Lol. I never did see my maximum.
                      I think you/Lloyds said they update on the 15th, so is it worth trying £300 now, or waiting until next month
                      When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #12
                        Re: Moving money about

                        Try it lol. I used to do it every month. It's not a real time search so it costs nothing matey.
                        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                        Comment

                        • #13
                          Re: Moving money about

                          2nd Monday of the month I think hbos update their feed mate.
                          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                          Comment

                          • #14
                            Re: Moving money about

                            Originally posted by Never-In-Doubt View Post
                            Try it lol. I used to do it every month. It's not a real time search so it costs nothing matey.
                            looks like they want me to call them chiefton?!

                            Lloyds: Why do you want to extend your overdraft to £300?
                            SA Gold: Because i am playing with your system, fools!

                            Seriously, what should i say when i call them lol

                            Click image for larger version Name: overdraft_referral.JPG Views: 1 Size: 50.4 KB ID: 1401894
                            When Gold isn't enough, there is SA Gold! New to the forum and find the UE route a bit scary? Take a look at my diary here and judge for yourself. I am now saving the money each month that was making little difference to the balance and not a bit of difference to my credit file as a result of finding AAD.


                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

                            • #15
                              Re: Moving money about

                              WTF - that's new. Don't ring mate. It'll get purged after 14 days.

                              I'll ask my mate at hbos why they now refer. That's never occurred before...
                              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                              Comment

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