09 Mar 2015

BEEN DECLINED

A question about : BEEN DECLINED

This thread has been created to offer a standard template, used to appeal a negative decision by a lender; for example a credit card decline letter.

It doesn't matter if you have a default or several searches, for the sake of a little 'tweaking' and cut/paste you could be pleasently surprised when the lender actually considers your appeal in a favourable manner.

The different sections need to be added together to get the finished letter, as shown in post #2.

09 Mar 2015

Advise On Overpaying Credit Cards Please

A question about : Advise On Overpaying Credit Cards Please

Soon I will be able to overpay on my credits cards (I pay the minimums at the minute but want to start paying more than that)

The one in question that I want to pay more on first the DD doesn't come out till very near the end of the month, I was wondering if I make overpayments before the DD is due will they still take the DD? I still want them to take it but wasn't sure if I had to wait for them to take the DD then make the overpayment after they have taken the DD

Or does it depend on the company?

09 Mar 2015

Does purchasing things on credit impact your credit score?

A question about : Does purchasing things on credit impact your credit score?

Let's say I bought some furniture from one of those vendors where they allow 3-years' monthly payments, interest free. Does that impact my credit score in a negative way (for buying things on credit)?

Thanks.

09 Mar 2015

Monument Payment Break Plan Refund

A question about : Monument Payment Break Plan Refund

I had a Monument credit card (Raphael Bank) account which I closed (settled) back in November 2012 after 10 years.

Before I closed the account, I tried to claim back the Payment Break Plan Protection which I was paying. I was told that I could not claim it back after writing to them.

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