Which bank account?

milfordmadness

Kavanne wrote: »

OP, I do not believe milford's experience is representative of how hard it is to get a halifax current account. i got one at 18 with no history (apart from my children's account) and he has over 60 (or is it 62 now?) credit searches in 12 months and a fraud marker on his file. Not the typical credit file, I'd say.

I actually agree with you, as you know i'm no role model here LOL

I made a decision to get the incorrect fraud (cifas) marker removed and not to apply for a year so everything drops off (or is it 6mth that they look back at?)....

However, so long as i've got this incorrect linked address on my equifax there is nothing I can do. I have to take legal action and really can't be bothered with it all so i've decided to wait 5yrs til it all drops off on its own unless they pursue me (for someone elses debt)....

But I dont like hfx cos my file was empty in November - this link has been a nightmare and to be honest I think it was Hbos that done it thus maybe they think i'm someone else thus they'll never give me an account (proper bank account) until I prove to them i'm not the same guy!

May go in with passport so they can compare them and discount me as different person which will mean the link should go..... then I'll wait a year and should have clear file with good history due to my HSBC?Vanquis/Catalogues....

KerryL

Overdraft is important, as I do go overdrawn some months....
Also, I prefer to do as much as my banking online, as I can.

milfordmadness

KerryL wrote: »

Overdraft is important, as I do go overdrawn some months....
Also, I prefer to do as much as my banking online, as I can.

HSBC then, they are still one of the best and cheapest if you select Advance account. Also their online system is good, you can even apply for a loan at atm in branches lol. amazing!

They have, unlike hbos etc, live messaging so you can send secure account related messages once logged in which is a godsend if you need a quick reply (slowest I got was 2 days)

KerryL

Just looking, don't fully understand there overdraft charges?

Inactive

Is it too obvious to suggest that you change from a paid for account to a free account with your existing bank?

ShelfStacker_3

Inactive wrote: »

Is it too obvious to suggest that you change from a paid for account to a free account with your existing bank?

Funny, great minds think alike...

Krishna_2

HSBC, they are still one of the best and cheapest if you select Advance account.

milfordmadness

Krishna wrote: »

HSBC, they are still one of the best and cheapest if you select Advance account.

great minds think alike

Kavanne

milfordmadness wrote: »

great minds think alike

No he's just a spammer.

milfordmadness

Kavanne wrote: »

No he's just a spammer.

Me lol.....

You working today, at Natwest ??? Can you sort me an account LOL