Sub Prime Credit Thread Part II

TheEffect

I rang Barclays and the guy was useless, spoke to me like crap and was very unhelpful. Decided to go back to Lloyds TSB, as I found them a great bank. I've just opened a standard current account, with a savings account and save the change. The lady on the phone was very helpful. Card will come in a few days.

sutton111

TheEffect wrote: »

I rang Barclays and the guy was useless, spoke to me like crap and was very unhelpful. Decided to go back to Lloyds TSB, as I found them a great bank. I've just opened a standard current account, with a savings account and save the change. The lady on the phone was very helpful. Card will come in a few days.

Don't blame you. If you found them useless, then try someone else.

What card did they say they are going to give you?

What CRA did they check?

I can't wait until my defaults are gone, I would just love to go into a bank and pick any type of account not just the basic one.

sutton111

On that note I rang Abbey again for a card "upgrade" and surprise surprise, they said not yet. The girl I spoke to today was bloody useless. She said you have to wait 3 clear months between applications for an upgrade, well that's total rubbish.

I'm sure they don't get properly trained!

sutton111

TheEffect wrote: »

I rang Barclays and the guy was useless, spoke to me like crap and was very unhelpful. Decided to go back to Lloyds TSB, as I found them a great bank. I've just opened a standard current account, with a savings account and save the change. The lady on the phone was very helpful. Card will come in a few days.

Are you going to close your HSBC one?

I bet it's a pain in the !!!! ringing them all the time to get a £3 refund!

cifpower

Abbey's customer services are abominable. My 2 friends have accounts with them and hate it

TheEffect

I phoned them and the kind lady talked me through it all. She said 'We're now going to check with a credit reference agency (didn't say which one) and the results from the CRA along with your income, the computer will tell me what accounts we can offer you'.

She said I can either have a standard current account or the current account silver, which was around £12 I think and had travel insurance and all of that. I don't drive or travel, so had no use for it, so I just took the standard account.

She said I'd get a 2 in 1 debit card, which I guess is just a standard visa debit card. They'll be sending me out a cheque book. She also said if they see £1000 go into the account each month, they'll add vantage onto the current account, which gives extra interest rates or something along those lines.

She also said she'll get someone to phone me within two weeks to make sure I've received the card and to see if I have any questions. I'm going to ask whether I can have a small overdraft or not.

Overall, very kind lady and great customer service.

sutton111

cifpower wrote: »

Abbey's customer services are abominable. My 2 friends have accounts with them and hate it

They are useless, I totally agree.

If I could get a full account at Barclays/Halifax/HSBC etc I would leave them.

cifpower

sutton111 wrote: »

They are useless, I totally agree.

If I could get a full account at Barclays/Halifax/HSBC etc I would leave them.

Have you applied with Halifax to see what they can offer you?

sutton111

TheEffect wrote: »

I phoned them and the kind lady talked me through it all. She said 'We're now going to check with a credit reference agency (didn't say which one) and the results from the CRA along with your income, the computer will tell me what accounts we can offer you'.

She said I can either have a standard current account or the current account silver, which was around £12 I think and had travel insurance and all of that. I don't drive or travel, so had no use for it, so I just took the standard account.

She said I'd get a 2 in 1 debit card, which I guess is just a standard visa debit card. They'll be sending me out a cheque book. She also said if they see £1000 go into the account each month, they'll add vantage onto the current account, which gives extra interest rates or something along those lines.

She also said she'll get someone to phone me within two weeks to make sure I've received the card and to see if I have any questions. I'm going to ask whether I can have a small overdraft or not.

Overall, very kind lady and great customer service.

Can you check your files to see please?

I think it's Experian. If it's a 2in1 then it doesn't have a cheque guarantee facility.

TheEffect

sutton111 wrote: »

Can you check your files to see please?

I think it's Experian. If it's a 2in1 then it doesn't have a cheque guarantee facility.

I would do, but neither equifax or experian webpages are loading for me at the moment. I'll try again in a little while.