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panason1c
New Member
50 Posts |
 Posted - 30 June 2013 : 10:10:22
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Thanks again, I'll keep you updated.  |
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panason1c
New Member
50 Posts |
Posted - 03 July 2013 : 17:57:08
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UPDATE
I phoned vanquis today to find out where I was up to with my card application and also to request the return of my bank statement, the guy I spoke to asked me a few questions relating to my application and at the end he announced that I had been accepted for a card and I will receive it in approx 14 days, he also offered me a £100 loan that they would pay directly in to my bank, I declined and he seemed disappointed that I didnt take the loan up.
So, all good, but about 20 minutes later another guy from vanquis phoned me and asked me if it was a good time to answer some questions regarding my card application, I explained that his colleague had just approved my card 20 minutes ago, he seemed confused by this and said he'd call me back......not heard anyting back yet.
They sound a very amateurish outfit to me, so far. |
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 03 July 2013 : 18:15:58
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Hmmm, doesn't sound too good. If you are in any doubt, cancel your application.
Personally, they have been great with me, although I did have to ask them to stop calling me re sales.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 03 July 2013 : 22:06:37
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Agree with Viki - I'd cancel the application at the moment.
The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant
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panason1c
New Member
50 Posts |
Posted - 05 July 2013 : 23:18:09
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Thanks for your advice, I decided that I might as well wait and see if the card arrives as I dont really have any other options.
Today, I received my bank statement back from vanquis along with confirmation of my new vanquis account number.
Just need to wait for the card to arrive now.
I shouldnt really complain if I get a credit card 8 weeks after discharge..  |
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Niobe
Administrator
United Kingdom
4590 Posts |
Posted - 06 July 2013 : 08:02:53
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Glad you've received it. Just be careful not to go too mad with it!!
The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant
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pcoventry2
Junior Member
230 Posts |
Posted - 07 July 2013 : 20:57:02
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quote:
Originally posted by panason1c
I shouldnt really complain if I get a credit card 8 weeks after discharge..
No I wouldn't either! It's odd how it works. I was able to get a tv/phone/broadband package with Virgin (and signed a contract) and also a new mobile on a 24 month contract but the first person I applied to 6 weeks after my discharge was Vanquis who turned me down!
Never mind, their loss :) |
Edited by - pcoventry2 on 07 July 2013 20:57:36 |
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panason1c
New Member
50 Posts |
Posted - 11 July 2013 : 22:28:48
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Received my vanquis card today with a £500 limit, quite a nice looking card and I was pleased to see that there is no vanquis logo with only the Visa logo showing on the card.
I will only be using the card for petrol purchases to build up a good credit rating. |
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pcoventry2
Junior Member
230 Posts |
Posted - 12 July 2013 : 14:19:50
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| Excellent news :) And a good limit for what is so soon afer discharge. I miht write to them and ask why they turned me down. Worth finding out. |
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Viki.W
forum expert
United Kingdom
2211 Posts |
Posted - 12 July 2013 : 16:09:51
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That's great news and as pcoventry has said, it's a good limit too.
pcoventry, they won't tell you. I think the guy on the phone slipped up to me when he mentioned it was because I'd deleted my landline off the application. I wrote a letter to them asking why, and it was the usual "contact the credit refer agencies etc".
If all your defaults on all 3 credit ref agencies are showing as satisfied and your bankruptcy showing discharged, and, of course, if you meet their criteria re income etc and you've supplied mobile and landline numbers lol!. Then they should say yes.
Viki Warbrooke
Vincent Bond & Co
If you would like free advice on all options available and help with your bankruptcy petition please contact me at http://www.vincentbond.com/about_us_Viki_Warbrooke.asp |
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pcoventry2
Junior Member
230 Posts |
Posted - 13 July 2013 : 00:39:13
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Thanks for the info VIki,
I gave them all that. I am showing as satisfied on all of them. I am earning good money now and I gave them the details. Oh well, their loss. I've used capital one in the past I might again someday.
My landline with SKy is not credit checked but my cable is as is my mobile so.. |
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pcoventry2
Junior Member
230 Posts |
Posted - 01 August 2013 : 00:09:57
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I should drop off the register tomorrow if the 3 months thing is right :)
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pcoventry2
Junior Member
230 Posts |
Posted - 02 August 2013 : 00:00:44
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quote:
Originally posted by pcoventry2
I should drop off the register tomorrow if the 3 months thing is right :)
Yes Just happened - no trace :) |
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Viki.W
forum expert
United Kingdom
2211 Posts |
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pcoventry2
Junior Member
230 Posts |
Posted - 02 August 2013 : 12:09:37
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Thanks Viki, It's just nice to see it drop off. I'd been told it stays on longer.
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Hi, I was made bankrupt in May/2012. What is involved in the lead up to discharge ?
