Basic Bank Account Refusal From Natwest

supergrand

Hi I wonder if any one can help, my 28 year old son has tried to open a Basic Bank Account with NatWest and they have refused him, and he doesnt know why, he is not a undischarged bankcrupt nor has he been convicted of fraud, he owes about £1500 on credit card and store cards but that is all. do you think there could be something wrong on his credit report, and if so how does he go about finding out and rectifying it. your help would be appreciated thanks

JDMYOFAN

Do a credit check..

Experian offer them for a free trial (providing you cancel within 14 days or so). Sign up, check, and email customer services requesting they close your account

There may be something else he doesn't know!

supergrand

nj106 wrote: »

Do a credit check..

Experian offer them for a free trial (providing you cancel within 14 days or so). Sign up, check, and email customer services requesting they close your account

There may be something else he doesn't know!

thanks will tell him to do that

Kavanne

It's really easy to cancel the experian one, just a 2 min phonecall to a freephone number so it's worth it

bristolleedsfan

nj106 wrote: »

Do a credit check..

Experian offer them for a free trial (providing you cancel within 14 days or so). Sign up, check, and email customer services requesting they close your account

quote]


6.50 Cashback available via eg quidco.

http://www.quidco.com/free-experian-credit-report/

KILL_BILL

gop and get a basic account at the co-op who provide an visa electron card or better still get a readycash account at the yorkshire/clydesdale bank who dont do a credit check and provide a switch/maestro card accepted at more places than visa electron

supergrand

:j just a quick update, my son went into lloyds tsb and was given a silver account straight away, he explained about not being able to get one at nat west and they put all his details on computer and told him they could offer him a silver account, hes a happy man he can now bank his cheque, his inheritance from his grandad who passed away in june, he has also ordered his credit report from experian just to see if ther is anything dodgy on it.
thanks once again for everyones help:beer:

Kavanne

Silver acct? That costs 7.95 a month (after the first 3 months), he could probs have a free account instead (The Classic account: http://www.lloydstsb.com/current_accounts/classic_and_classic_plus_accounts.asp) He doesn't have to have an account he has to pay for, but I bet Lloyds didn't tell him that!!!

meester

should be able to downgrade the lloyds account - he should do so ASAP

Silvafox

But don't forget that £7.95 gets you AA breakdown cover, mobile phone cover and travel insurance so it's not exactly a fee for nothing!