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Co-op ISA - UPDATE
peachyprice
Posts: 22,346 Forumite
Hiya folks,
Has anyone has any success opening a co-op ISA.
I just phoned them on an unrelated subject and the guy said I was eligible for one. The conversation went:
Co-op Man: I see from your file you're eligible for one of our ISA savings accounts.
Me: Surely not, I am bankrupt.
Co-op Man: People with far worse on their credit file have been accepted
Me: You can't get worse than bankrupt:D
Oh how we laughed. :rotfl:
Anyway, I said I'd give it a try, he did it there and then, it wasn't instantly declined, but has gone for referall, which I'm not suprised about as I have a CIFAS marker on my credit file due to being a victim if ID fraud.
So as I sit and wait to see if I get it I am wondering if anyone else has been offered one and got accepted? Or am I being stupidly naive:o
Has anyone has any success opening a co-op ISA.
I just phoned them on an unrelated subject and the guy said I was eligible for one. The conversation went:
Co-op Man: I see from your file you're eligible for one of our ISA savings accounts.
Me: Surely not, I am bankrupt.
Co-op Man: People with far worse on their credit file have been accepted
Me: You can't get worse than bankrupt:D
Oh how we laughed. :rotfl:
Anyway, I said I'd give it a try, he did it there and then, it wasn't instantly declined, but has gone for referall, which I'm not suprised about as I have a CIFAS marker on my credit file due to being a victim if ID fraud.
So as I sit and wait to see if I get it I am wondering if anyone else has been offered one and got accepted? Or am I being stupidly naive:o
Accept your past without regret, handle your present with confidence and face your future without fear
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Comments
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Oh peachy this is so funny ......
can't wait to see what happens - I love the script of the chat as well... :T
Have a good day
SA2011 - New year, New start, New me[STRIKE]Planning on [/STRIKE] making my dreams a reality0 -
I find it a bit hard to swallow that you should be offered a ISA when bc. Will wait to see if it is accepted;)Free impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D0 -
An ISA is only a savings account so I don't see why your shouldn't be accepted.0
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It's hard getting one after discharge too:DFree impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D0 -
I know D, they turn you down, then show you the exit, but you have to swallow your pride and keep on going Accept your past without regret, handle your present with confidence and face your future without fear0
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peachyprice wrote: »I know D, they turn you down, then show you the exit, but you have to swallow your pride and keep on going
peachy:rotfl:Free impartial debt advice available from: National Debtline - Tel: 0808 808 4000 | The Consumer Credit Counselling Service (CCCS) - Tel: 0800 138 1111 | Find your local Citizens Advice Bureau
Laugh at yourself and others laugh with you.Laugh at others and you laugh alone. BSC No 107:D0 -
peachyprice wrote: »It's nigh on impossible to get a savings account whilst BR, very few people have been successful.
Totally stupid (the policy and not you!) Whilst I know if you've got enough to save you should be repaying debts but that's for the OR to decide. It is good thing to encourage those who were previously in debt to try and save for the future.
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It's hard getting one after discharge too:D
Sainsburys must have felt sorry for me...gave me a savings account after discharge although I did have a lot of hassles with them before it was FINALLY openedWe all die. The goal isn't to live forever, the goal is to create something that will0 -
philnicandamy wrote: »Sainsburys must have felt sorry for me...gave me a savings account after discharge although I did have a lot of hassles with them before it was FINALLY opened
Phil, they got fed up with you phoning them so gave in
Accept your past without regret, handle your present with confidence and face your future without fear0
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