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Posted: Sun Dec 06, 2015 10:12 pm
by Kevin43
Hello Guys,
I have recently completed IVA via F&F ang got the certificate last week. I just applied for the Vanquis and got rejected straightaway. I thought they are accepting people with poor credit history. Is it worth them to reconsider the decision by supplying payslips, rental agreement etc. I am now earring very descent salary. Don't know why I am being rejected.
Thanks
Posted: Sun Dec 06, 2015 10:45 pm
by Shining
Hi, well done on F&F and getting what I assume is your completion certificate. Did you apply before getting the certificate? Although I am aware some people do and are given a card so not sure why you've not been.
Maybe someone else has been or is in a similar position.
Posted: Sun Dec 06, 2015 10:52 pm
by Kevin43
Hello Lesley,
I have applied after 1week of receiving the CC.
Thanks
Posted: Mon Dec 07, 2015 12:32 am
by Shining
Your IVA may well still be on your credit files and it's only a guess but it may be one of the reasons for rejection. Have you checked?
Posted: Mon Dec 07, 2015 3:58 am
by luluj
I think its as Lesley says ..too soon after the certificate being issued. I know for us Vanquis took six months to approve my husband for a card which was fine as we just wanted a back up
Posted: Mon Dec 07, 2015 7:28 am
by Pandy
my friend got one a few month before her CC was issued, she did it by telephone and spoke to a real person, try ringing them and applying. She was upfront and did tell them about her IVA. This was only 6 months ago so don't think their systems would have changed that much in that time.
Posted: Mon Dec 07, 2015 10:30 am
by Lisa Thomas
Make sure your credit records are all updated. You might also want to wait until you've dropped off the Insolvency register too. This takes up to 3 months post CC. Check here:
http://www.insolvencydirect.bis.gov.uk/eiir/
Posted: Mon Dec 07, 2015 10:46 am
by Shining
Posted: Mon Dec 07, 2015 12:44 pm
by Kevin43
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by Kevin43
Hello Guys,
I have recently completed IVA via F&F ang got the certificate last week. I just applied for the Vanquis and got rejected straightaway. I thought they are accepting people with poor credit history. Is it worth them to reconsider the decision by supplying payslips, rental agreement etc. I am now earring very descent salary. Don't know why I am being rejected.
Thanks
Posted: Mon Dec 07, 2015 5:32 pm
by mikepapa
I applied for a vanquis card 6 months before my IVA completed, i applied by post and they also telephoned me at home and asked a few questions but was accepted over the phone with a £500 credit limit, i use it for certain purchases but pay it off every month .
Posted: Wed Dec 09, 2015 1:03 pm
by hwima
I applied for mine 2 months before making the final payment and it was approved straight away.
Posted: Wed Dec 09, 2015 1:18 pm
by simon1883
Just had a quick look at the link supplied above.... Way too much info available there in the public domain....