Nationwide

noah271007

battyboimatt wrote: »

lol, ill just give in and stay with Natwest dont want to hit my credit score with more declines lol, although I cant see how they did a credit check lol, I mean litterly I pressed submit and not even a second had passed and it just said "We are unable to offer a fleciaccount at this time" at that was it, took me back to the page where it shows you apply and it just says cancelled lol, how odd, at least I would put Declines in like many other places lol

I just don't understand why you can't open a current account if your credit file is in good nick. Are you registered on E.roll? Have you checked out with Experian as most banks credit search using Experian when opening current accounts.

battyboimatt

Hi Noah, yeah i have been at my property for 8 years 4 months, and this shows on my credit file no missed payments have 25 credit accounts, mostly old settled ones due to start dropping this year with perfect repayment histoires, I subscrimaie to Experian monthly for £5.99 eveything perfect there, just the searches for new accounts, but I wont apply for any more now, I even payed the £2 for the Experin report and that has nothing bad on it either so far tried Halfix - said no a couple of days later - HSBC never even sent me a no letter but did a credit check so quesst its a no as has been weeks, Barclays said a no didnt meet there credit score, and smile who said no but yes to the savings account that I applied for as part of the application, Im a lepper to the banks lol, no one wants me apart from Crapwest, have my credit card, current account and £1000 overdraft with them, been with them since 2002 lol, just sick of the !!!! and crap service they give and wanted to change, but I can't Im trapped lol pleassse somone open a new bank, ill apply and be your first customer lol, Ill change all my dd's and even get my wages paid into it lol, well enougth of my witter, thanks for all the help and suggestions people

Kavanne

Did you ask for an OD on your first application?

book12

battyboimatt wrote: »

Hi Noah, yeah i have been at my property for 8 years 4 months, and this shows on my credit file no missed payments have 25 credit accounts, mostly old settled ones due to start dropping this year with perfect repayment histoires, I subscrimaie to Experian monthly for £5.99 eveything perfect there, just the searches for new accounts, but I wont apply for any more now, I even payed the £2 for the Experin report and that has nothing bad on it either so far tried Halfix - said no a couple of days later - HSBC never even sent me a no letter but did a credit check so quesst its a no as has been weeks, Barclays said a no didnt meet there credit score, and smile who said no but yes to the savings account that I applied for as part of the application, Im a lepper to the banks lol, no one wants me apart from Crapwest, have my credit card, current account and £1000 overdraft with them, been with them since 2002 lol, just sick of the !!!! and crap service they give and wanted to change, but I can't Im trapped lol pleassse somone open a new bank, ill apply and be your first customer lol, Ill change all my dd's and even get my wages paid into it lol, well enougth of my witter, thanks for all the help and suggestions people

If Barclays decline you, they should have offered you a Cash Card Account. This account is exactly like the other current accounts they offer, but not option of overdraft and chequebook. It does come with a debit card. By the looks of it, you declined the offering of the Cash Card Account, which you shouldn't have done.

Doshamento

battyboimatt wrote: »

Oh I wont bother again then think it was a time out he he, I want to leave natwest but no one will take me, no defaults etc, no missed payments and in the last 8 months applied for HSBC didnt even get anything back, Halifax said no, and then last month Barlcays said no as well and no Nationwide *sigh* looks like im trapped with Natwest lol

What about Lloyds?
Have you tried them for a current account?

I had a Nationwide Flexxaccount and applied to Lloyds and got a Classic current account with a Visa Debit card.



All that Nationwide was willing to offer me during the 5 years of having a Flexaccount with them was a Cash Card.


Don't worry about Nationwide!

book12

Also, since you have been declined a few times for a current account, I would suggest applying for a basic bank account. Most banks offer a debit card with them now, assuming you don't need credit facilities like overdrafts and chequebooks. Refer to the banks you want to bank with for more details.

After running the account (at least 6 months) for a while, you could look for an upgrade.

battyboimatt

Hi Book 12, No I didnt get offered another account, I applied online got the usual message we will contact you regarding your application then about a week later just got a letter saying they were unable to open an account because I do not meet there required credit score, they enclosed a leaflet that explained how they credit score ie full one pulled from your report or one based on account conduct, no mention of offering another account in the letter, never mind, lol, far force things in the world than Crapwest, well once again thanks everyone, ill draw this to a close now, no point crying over spilt milk as the old saing goes, Ill maybe try at the end of the year again

book12

battyboimatt wrote: »

Hi Book 12, No I didnt get offered another account, I applied online got the usual message we will contact you regarding your application then about a week later just got a letter saying they were unable to open an account because I do not meet there required credit score, they enclosed a leaflet that explained how they credit score ie full one pulled from your report or one based on account conduct, no mention of offering another account in the letter, never mind, lol, far force things in the world than Crapwest, well once again thanks everyone, ill draw this to a close now, no point crying over spilt milk as the old saing goes, Ill maybe try at the end of the year again

You didn't get offered another account, as you applied online. If you applied in branch, they would have opened an alternative account for you.

If you really want another bank account, go for a basic bank account where you won't get credit scored. Most of them offer a debit card with them now. http://www.moneymadeclear.fsa.gov.uk/pdfs/bank_accounts.pdf

FluffyFiFi

If you receive bad service from Nationwide then follow it up with a complaint to the area office. All complaints are taken very seriously and is something that the staff dread. I work for a small branch and we are very proud of our customer service (and we aren't ex-Portman either). If you can find a good branch they will do their best to get you a full FlexAccount as we get a referal for this and as we are all targeted on our referalls it is something that we work very hard for. Nationwide have a tough policy in place regarding the offer of Flexaccounts as they don't want to increase their risk which is understandable at the current time. However, they are a business and therefore need people to use their services.

Kavanne

FluffyFiFi wrote: »

If you receive bad service from Nationwide then follow it up with a complaint to the area office. All complaints are taken very seriously and is something that the staff dread. I work for a small branch and we are very proud of our customer service (and we aren't ex-Portman either). If you can find a good branch they will do their best to get you a full FlexAccount as we get a referal for this and as we are all targeted on our referalls it is something that we work very hard for. Nationwide have a tough policy in place regarding the offer of Flexaccounts as they don't want to increase their risk which is understandable at the current time. However, they are a business and therefore need people to use their services.

They denied even having a complaints department when I phoned up. Incompetent and rude. Stuck between a rock and a hard place unfortunately and they know it!!