direct debit day after BR

thegoodlife

I have a direct debit coming out of my co op cashminder account the day after BR is it okay to leave enough money in for this?

tigerfeet2006

Yup!!!!

MsLouise_2

thought this could be answered on here rather than start a new thread-


these accounts that you can have once BR. ive read they are electron accounts, is that right?

can these be used like a switch card? say if i was going to a restaurant would I be able to use this type of card? just wondering how life would be paying for things etc.

and do you only open these accounts after BR?


(hope you dont mind me asking on here TheGoodLife)

tigerfeet2006

MsLouise wrote: »

thought this could be answered on here rather than start a new thread-


these accounts that you can have once BR. ive read they are electron accounts, is that right? They so say have changed them to debit cards but they are just electron under another name.

can these be used like a switch card? Not quite, with these the machine should check if you have the available funds in your bank or it will refuse the payment request (though it sometimes doesn't ask the bank if it is a low amounts, depends on a shops floor limit) say if i was going to a restaurant would I be able to use this type of card? just wondering how life would be paying for things etc. I reckon it is accepted at about 95% of outlets. Most of us don't have a problem with it.

and do you only open these accounts after BR? The Co-op is a very BR bank and allows you to open the Cashminder before BR and won't in general freeze the account, if they do a quick from the OR unfreezes it. The only problem is if you have the Brighton OR, they don't like you using it and make you close it and open a new one for some reason not understood by anyone.


(hope you dont mind me asking on here TheGoodLife)

Hope that helps

MsLouise_2

Thanks TigerFeet.

Sorry one more question.... I hear about people saying they have been discharged after a year, do you still use these accounts after being discharged or are you able to gain another account with more flexibility? (i'm just asking as I spend alot of time abroad with work and sometimes account cards are a problem).

How long would I have to stick to the coop or barclays card for?

tigerfeet2006

You will still have difficulty getting a normal directly after BR but that becomes easier as the months pass and some people have been able to get upgraded accounts. To be honest though a lot are so happy with their accounts they still use them after discharge.

I have used my electron card abroad with no problems. Another option to have as well as your account is to get a pre paid cash card like the Cashplus card, a lot of us use these.

http://www.mycashplus.co.uk/landing/c/?pc=GAW525&gclid=COn6q_nQoJwCFZMU4wodIhj2hg

thegoodlife

Thanks for the reply !

Skintboy37

has anyone done br at brighton with a co op account thats been ok? I seem it pointless if no one else gets this account stopped the whole point of getting it is so you can carry on living.If thats the case i may goto worthing instead.

tigerfeet2006

You have to go BR in the court in the area you have been for the last 3 months I think it is.

Everyone on here who opened an account before BR with the Brighton OR has had it closed, though Co-op in most cases have been fantastic at getting a new account sorted asap and things changed over.

iquit

tigerfeet2006 wrote: »

You have to go BR in the court in the area you have been for the last 3 months I think it is.

Everyone on here who opened an account before BR with the Brighton OR has had it closed, though Co-op in most cases have been fantastic at getting a new account sorted asap and things changed over.

I believe it's the court in the area you've resided in for the majority of the preceding 6 months - or at least that's what my local court said.

Lost2

I had a Lloyd's account before going BR. I did put it on my paper work
and OR said that they did not have any interest in my account, so
I still have it.