How to get back on the credit ladder

never-in-doubt

Kavanne wrote: »

What about Coop? They were the bank I was thinking of, I don't give 2 hoots about RBS/Natwest. I'm not natweststaffmember or shelfstacker or any of the others.

You may want a visa debit but others may be happy with electron/solo. If you don't tell people, they don't know!! Also weren't there some threads a while back about Yorkshire Bank, don't they give out a Maestro with their readycash account?

Kavanne - sorry mate, I just want to point out I was not having a dig at you and neither was I suggesting you implied Natwest, I simply mentioned that they were actually one of the worse mainly due to the fact they rarely upgrade using behaviour scores. Can I just set the record straight with this. Thanks.

Ok, co-op from what I am told do not issue visa, it is an electron? YB is good and yes you get maestro but again, lack of branches and the fact you can only apply in branch is a big put-off - in scotland you have Clydesdale of course....

never-in-doubt

Innocent_Guy wrote: »

I think that yorkshire do offer a maestro however the lack of branches was a big no no for most

that's what i've seen as well mate, seems that if you live in Yorkshire/Scotland you're sorted. There is one near me I think, I am sure I seem one near the sports bar.......? No sorry its nationwide, just remembered.

never-in-doubt

This post #29 has been edited to take into account my comments here #32

Innocent_Guy

never-in-doubt wrote: »

that's what i've seen as well mate, seems that if you live in Yorkshire/Scotland you're sorted. There is one near me I think, I am sure I seem one near the sports bar.......? No sorry its nationwide, just remembered.

Clysdale...... I have / had a loan from clysdale now switched to barclays partner finance.... How odd.

never-in-doubt

Innocent_Guy wrote: »

Clysdale...... I have / had a loan from clysdale now switched to barclays partner finance.... How odd.

how odd indeed, isnt it part of national australia or something? Unless they sold their loan portfolio - banks do this for underwriting reasons (means they need dosh fast LOL)

Innocent_Guy

never-in-doubt wrote: »

how odd indeed, isnt it part of national australia or something? Unless they sold their loan portfolio - banks do this for underwriting reasons (means they need dosh fast LOL)

TBH don't know. They just sent me a letter saying payment name will change and they are changing DD and I will start to see the name being replaced.... Barclays made something stupid like 8billion last year even in this "Credit Crunch"

Edinburghlass_2

This is because Clydesdale Financial Services is/was nothing to do with the Clydesdale Bank
and is now named Barclays Partner Finance.

Kavanne its always a good idea to keep read Martin's articles regarding the best cards at any one time, any updates are linked in the weekly email.

http://www.moneysavingexpert.com/banking/credit-rating-credit-score

Innocent_Guy

Edinburghlass wrote: »

This is because Clydesdale Financial Services is/was nothing to do with the Clydesdale Bank
and is now named Barclays Partner Finance.

Kavanne its always a good idea to keep read Martin's articles regarding the best cards at any one time, any updates are linked in the weekly email.

http://www.moneysavingexpert.com/banking/credit-rating-credit-score

OOoooooooo

victor-meldrew_4

Kavanne wrote: »

Why have you only suggested some basic accounts? Shouldn't you provide links to all so people on here can decide which one they think is best? Sorry but I'm all about information, not advice.

why dont you just add what you want instead of moaning about it.that would be more productive wouldnt it.??????

UncleSimit

never-in-doubt wrote: »

In order to obtain a Basic Account, it is best to go into the bank and apply in person. Some will ask that you apply for a full account and if they refuse you, they may be able to offer a Basic Account - this is perfectly normal and should be expected. The best Basic Accounts come from the following banks;

1. HSBC Current Account
2. Barclays Bank
3. Lloyds Tsb

Didn't know HSBC offered a basic account, with debit card too?