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First Direct

TheEffect
TheEffect Posts: 2,293 Forumite
Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
in Budgeting & bank accounts
Does anyone know how long it takes to either be accepted or declined by First Direct.

I applied online for their 1st account today, with a credit card and e-savings.

I'm a student, with 5k income and currently with HSBC. I have no past history and 10 searches, therefore I'm not holding out much hope.

If I ring them tonight, will they tell me if I've been accepted or declined or do i need to wait a few days?
«1

Comments

  • sutton111
    sutton111 Posts: 6,302 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I would ring them straight away. But I'm impatient. :rolleyes:
  • staffie1
    staffie1 Posts: 1,967 Forumite
    Part of the Furniture 1,000 Posts Photogenic
    I was advised by email a couple of hrs after applying online. What they said was my application (subject to final checks) was successful. Until you get the formal letter through the post (only takes a couple of working days) you won't know for sure.
    If you will the end, you must will the means.
  • staffie1
    staffie1 Posts: 1,967 Forumite
    Part of the Furniture 1,000 Posts Photogenic
    By the way, if you want free banking with the 1st Account you need to pay in at least 1500 quid a month.
    If you will the end, you must will the means.
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    staffie1 wrote: »
    By the way, if you want free banking with the 1st Account you need to pay in at least 1500 quid a month.

    I'll just do a few transfers from 1st direct to my other account and back again once a month.
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Just phoned them. Got declined. :(
  • staffie1
    staffie1 Posts: 1,967 Forumite
    Part of the Furniture 1,000 Posts Photogenic
    did they say why you got declined?
    If you will the end, you must will the means.
  • TheEffect
    TheEffect Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Nope. They just said 'Unfortunately, we cannot offer you banking services, Goodbye'.
  • staffie1
    staffie1 Posts: 1,967 Forumite
    Part of the Furniture 1,000 Posts Photogenic
    Oh well, hard luck. Hope you find something else - there's plenty to choose from.
    If you will the end, you must will the means.
  • never-in-doubt
    never-in-doubt Posts: 20,613 Forumite
    TheEffect wrote: »
    Nope. They just said 'Unfortunately, we cannot offer you banking services, Goodbye'.

    did someone actually just say that or was it computerised? If a human thats disgraceful just to say goodbye lol (i'd be spitting feathers)
    :o 2010 - year of the troll :o

    Niddy - Over & Out :wave:
  • williham
    williham Posts: 1,223 Forumite
    You don't need to pay in £1500, you just need to open a savings account or a credit card.
    I applied with a £4000 income, rang them up and he said a letter should arrive soon and I was accepted. I didn't realise till recently that they shouldn't have accepted me :P
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