Halifax Reward Current Account

Kavanne

If you got declined for natwest I wouldn't bother with RBS, they run on exactly the same systems and have the same staff, even.

You should feel lucky you have an easycash account.

milfordmadness

Kavanne wrote: »

I don't know, I think he wants the £5? But mil has said theirself they don't care about moneysaving so I am not sure why.

Nah it's more a case of wanting an account, i'd probably never use it but hey! You must know what I mean, when you want something you keep going til you get it then when you do have it, you actually find you no longer want it!

I hate HBOS with a vengeance but want to get an account with them, even to turn round and say pishorf after they open it....

maybe you think it's weird but I know what I mean... I've more than proved myself to that bank and gave them 2yrs using easycash with over £4k per month going through it - they never once offered me an upgrade. I never once got a charge posted on my account nor have I ever gone overdrawn

rb10

milfordmadness wrote: »

Regards Natwest, i posted a full thread about their accounts setting up process cos its a nightmare.....

Agreed ... the whole bank is a nightmare to deal with. They don't even have decent internet banking. Definitely one to steer clear of, imo.

milfordmadness

Kavanne wrote: »

If you got declined for natwest I wouldn't bother with RBS, they run on exactly the same systems and have the same staff, even.

Yea I knew that but hey, thought to myself why not!

milfordmadness

rb10 wrote: »

Agreed ... the whole bank is a nightmare to deal with. They don't even have decent internet banking. Definitely one to steer clear of, imo.

I know, like with me they accepted me online and I went in branch to finalise opening account they couldn't do it, they then sent me chq book, letters, paying in book etc and when card was due I got statement saying account was closed! !!!!!! - waste of public money big time! They used the excuse we do another check before issuing the card - I told them they were !!!!!! and left it at that!

Kavanne

milfordmadness wrote: »

Yea I knew that but hey, thought to myself why not!

Because you will get another credit search mark on your file
Because it will just get declined
Because you found their service appalling before
Because it's a waste of time

You could still try lloyds, abbey, coop, yorkshire bs, any other bs... the list goes on.

EDIT: It is true that RBS/Natwest carry out a second stage credit search when they receive your docs. I saw it for myself when I opened my account with them.

Kavanne

allthingsconsidered2009 wrote: »

Kavanne, were you asked to send in ID when you opened your Natwest account?

I opened my account as staff so the bank already had seen my passport/utility bill from when I applied for my job so a bit different All I was asked for was a signature.

milfordmadness

Kavanne wrote: »

Because you will get another credit search mark on your file
Because it will just get declined - Ive got 60 searches in a month and a cifas marker - you think this bothers me? lol
Because you found their service appalling before - Yup, its shoddy to say the least and if I find out they done a second search at the time they got my docs i'd sue em for breach of DPA as I never authorised 2 searches nor do they advertise it. So I think, to be honest they don't do a search but more a fraud (hunters) or something search.
Because it's a waste of time - why? Its funny. One time they will screw up and accept it. If not i'll waste their time by printing same old proof off and appealing everytime lol. I do nights and am bored so doesn't bother me in the slightest - I have loads of time on my hands hahaha

You could still try lloyds, abbey, coop, yorkshire bs, any other bs... the list goes on.

No thanks - I want a bit of your bank that you love so much! Accept it, they aren't that good - cmmon?

EDIT: It is true that RBS/Natwest carry out a second stage credit search when they receive your docs. I saw it for myself when I opened my account with them.

Hmm, can you vouch for this with official paperwork or link to website terms otherwise they are in direct breach of the DPA - not the FSA or anything like that but the Data Protection Act as this governs CRA's and searches along with the ICO.

My answers in red....

milfordmadness

allthingsconsidered2009 wrote: »

!!!!!!
I am in the process of opening an account with Natwest and yes they do seem weird!
But since HSBC have welcomed you with open arms I am surprised that HBOS and Natwest could not at least give you a bog standard current account.

I have an easycash with hbos - had it 2yrs!

Wouldn't need a natwest step cos I got a Plus account already.... its a step (gettit lol?) backwards with a worse bank as well, according to other posts shown on here (10 worst banks)

milfordmadness

allthingsconsidered2009 wrote: »

Well in my experience Natwest did an initial search on Equifax and ID'd me. Then they did the full, second search on Experian the next day -before they'd received my paperwork back.

did you get the account or declined at that stage?