Abbey - Basic Account

Lisa55_2

Hi,

I went BR yesterday and began to worry about opening a bank account as co op application was referred. I read on this forum that someone got an Abbey National account so I thought I'd give it a try.

I called them, told them I am BR and they said they don't run a credit check for the basic account. So I went to the branch today and did the application over the counter, told them I am BR and they said that I'd know the decision later today. I called them and they said it'd been accepted. I won't believe it until I've got it in writing.

Has anything simular happened to anyone recently?

Thanks.

dalip

I will be interested to see if goes through lisa. I had a joint basic account with abbey but had to get my name removed a couple of days before bc as i was told they would freeze the account. Good luck, perhaps with the amount of bc they have decided to change their policy. D

GettingHopeful

This does look as if it's good news if all goes OK, thanks for posting Lisa, the options for BRs could do with a nudge from some other banks.

Good luck

Merry_Gentry

This would be excellent news - will keep eyes open for your update

spiritualone_2

Lisa55 wrote: »

Hi,

I went BR yesterday and began to worry about opening a bank account as co op application was referred. I read on this forum that someone got an Abbey National account so I thought I'd give it a try.

I called them, told them I am BR and they said they don't run a credit check for the basic account. So I went to the branch today and did the application over the counter, told them I am BR and they said that I'd know the decision later today. I called them and they said it'd been accepted. I won't believe it until I've got it in writing.

Has anything simular happened to anyone recently?

Thanks.

HELLO im not wanting to be negative but im wantin to be honest.............

i went into an abbey branch to op[en an account yesterday .......to my surprise an old school friend was working there and opening the accounts...............so we get chattin away an she tells me no credit check will be carried out but she needs to see if im an undischarged bankrupt coz if i am IM GETTING !!!!!! ALL............im playin this cool like so im like YEAH all im wantin is a BASIC ACCOUNT .....she tells me abbey only do ONE KIND OF ACCOUNT there BASIC ACCOUNT IS THE SAME AS THERE CURRENT ........EXCEPT i ASK FOR WHAT ADDONS I WANT ...............OVERDRAFT ANOTHER CREDIT CHEK ETC ETC............

ANYWAYS I ONLY WENT INSOLVENT AND THATS PASSED BUT MY 'DECISION' was given to me WITHIN 5 MINS OF ME BEIN THERE!! didnt have to wait till that afternoon sand walked out with my account numbers in the space of if im bein honest from the hi to the bye 10 mins......................

SO IM NOT BEIN NASTY BUT GOOD LUK COZ I THINK ULL NEED IT

oh funnily enough im also a member of experian and equifax online and can confirm abbey only used experian for there credit chek WHICH INCIDENTLY I WAS TOLD WASNT BEING DONE AND IT SHOWES UP AS IVE CHECKED FOR A CURRENT................WHICH I HADNT................ALSO IF ITS ANY HELP TO ANYONE...........clydesdale bank only use experian and so do fiirst direct and orange

good luk to all

:A

fiveyearplan

I'll be waiting to hear your update too, that would be great if Abbey was BR friendly, but I don't think they are.

philnicandamy

well...they refused me back in March last year....since they've been taken into the santander group things have been more difficult with them...I honestly do wish you all the luck in the world...just dont count on them offering you an account

WallyMan

All Abbey bank accounts are processed using the same system which includes a credit check. The difference with the Basic account is that it has no credit facilities so as a result is considered a less risky product.

From memory the only way you can get an Abbey bank account without a credit check is on the back of a mortgage. If you get approved for a mortgage Abbey consider you a safe bet for a bank account which is not unreasonable.

philnicandamy

http://www.moneymadeclear.fsa.gov.uk/pdfs/bank_accounts.pdf

Abbey....will not offer a basic account to anyone with a history of fraud or is an undischarged bankrupt

dalip

I was told if we had been long standing customers of theirs then, they MAY have let me keep the joint account,but seeing as we had only had it about a mth they said no way andthat was their basic account!D

philnicandamy

The problem is like many other banks...they promise the world & in the end you usually get nothing