Declined Nationwide Flexaccount?

Bisoy

I recently applied for a Nationwide Flexaccount and was DECLINED. I consider myself to have a good credit history, earn a good salary, owned a house(mortgaged) which we lived for more than 3 years( just applied for the electoral roll to be registered in April), paid all credit cards by direct debit(recent credit card application last month which was successful), no loans, debts on CC at 0%, current account with A & L.
Where do you guys think I failed? The branch that I have applied could not tell me the reasons. Where to inquire and would it be wise to make an appeal?
Any advise and suggestions will be greatly appreciated.

Cheers

regularsaver1

have you just moved?

this can sometimes affect you - electoral is checked as it is now

Bisoy

Sorry to add. I've just acquired British citizenship last month that is why I have just applied for the electoral roll.We have lived on this address for more than 3 years. Could it be a problem for nationwide if I am not still registered with the electoral roll?

grumbler

ts_aly2000 wrote:

Almost certainly yes.

I don't think so. I know many foreign PhD students (even from non-EU contries) that have been in UK for less than 3 years and opened accounts with Nationwide - basic ones with a cash card.
I think a good letter of appeal will do the job. And don't reject a basic account if they offer it. You can upgrade it in half a year or even earlier.

Scrudge

grumbler wrote:

I don't think so. I know many foreign PhD students (even from non-EU contries) that have been in UK for less than 3 years and opened accounts with Nationwide - basic ones with a cash card.
I think a good letter of appeal will do the job. And don't reject a basic account if they offer it. You can upgrade it in half a year or even earlier.

I suspect if you say that you are not British they do no expect to see you on Electoral Roll. But if you say that you are British and not on the Register - they think it is dubious.

Bisoy

As I have said I have just acquired British citizenship last month and also submitted my application to be registered for the electoral roll.I would make an appeal as we consider ourselves good creditors.But what should a good appeal consists? Any advise and hints will be greatly appreaciated.

Bisoy

Thanks Grumbler. I wrote a letter of appeal last week to nationwide and received a letter today that they have reconsidered our application and that it has been successful.