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refused current account with co-op
danielleindebt
Posts: 201 Forumite
i made an on-line application for a current account And got an e-mail today saying
[FONT=verdana, arial, helvetica, sans-serif;]Thank you for your recent application for a Current Account. Unfortunately, after careful consideration we are unable to open the account you requested.
Our decision is based on information provided by Experian, our credit reference agency.
You may find it helpful to contact the credit reference agency we used to help us to reach our decision. They will be able to provide you with a copy of your credit report. You go to theirwebsite at https://www.experian.co.uk to get a copy of your report. The fee for this service is £2.00. You can also order a report by phone on 0870 241 6212. The fee for the phone service is £2.50.
Similar information may also be held by other companies.
Thank you for your interest in The Co-operative Bank.
has anyone else had this? i didnt even want a overdraft or anything! i know i have 1 default etc but surley just for a bank account ?
[/FONT]
[FONT=verdana, arial, helvetica, sans-serif;]Thank you for your recent application for a Current Account. Unfortunately, after careful consideration we are unable to open the account you requested.
Our decision is based on information provided by Experian, our credit reference agency.
You may find it helpful to contact the credit reference agency we used to help us to reach our decision. They will be able to provide you with a copy of your credit report. You go to theirwebsite at https://www.experian.co.uk to get a copy of your report. The fee for this service is £2.00. You can also order a report by phone on 0870 241 6212. The fee for the phone service is £2.50.
Similar information may also be held by other companies.
Thank you for your interest in The Co-operative Bank.
has anyone else had this? i didnt even want a overdraft or anything! i know i have 1 default etc but surley just for a bank account ?
[/FONT]
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Comments
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Did you apply for a current account or a basic bank account??MF aim 10th December 2020 :j:eek:MFW 2012 no86 OP 0/2000
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was for a current account i just wanted a seperate account so i could transfer my food shopping money to and use as a debit card so i could budget better.0
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You probably need to ask for their Cashminder account. This is a basic, no overdraft acoount with a Visa Electron.card.Namaste DeeDee x0
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Hi Danielleindebt
If you use the following link Basic Bank Accounts, and in the Basic bank accounts section click on publications it will provide you with a list of accounts and what benefits the account offers. You should be able to open a different account and pay your shopping money into that to keep it seperate.
Hope this helps
CCCS_AlanI am a Debt Counsellor that works for the CCCS and have specific permission from Martin, to post on these boards to try and help those in debt. Read more information on the CCCS and what it does in the Debt Problems: What to do and where to get help article.
CCCS is a registered charity, and there is no charge whatsoever for any of the services we provide to our clients. We take great pride in offering first class help and advice, but we only offer this where we have been able to fully explore and understand your circumstances with you. We want to help you understand these choices and their possible implications but not make them for you.0 -
Hi Daniel
The same thing happened to me but if you call them or go to a branch you should be able to open a cashminder account with an electron card.0 -
Just to re-iterate what the others have said, you need to ask for the basic account, Cashminder. I've just swapped to a cashminder and the co-op have been brilliant! The visa electron is taken in more places than my old solo!!
Sept 10: Loan - £7,460, Credit Cards - £1445, Car Loan repayments £2140, Personal Loan £1360- DFD July 2013 (0/34)PROUD TO BE DEALING WITH OUR DEBTS - In it Together, Forever!!***Keeping the Dream Alive - House in 2015***Currently Looking for a Home and Job in Norwich2 adults, 1 child, 1 dog and 3 goldfish!0 -
They will probably write to you and enclose an application form for their basic account.0
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