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Natwest current account fun and games....not

iainmay
iainmay Posts: 13 Forumite
Part of the Furniture Combo Breaker
in Bankruptcy & living with it
Ok I went bankrupt July 2003 and was discharged in April 2005.
My credit file is now clean as a whistle, with nothing showing.

So today i try and upgrade my current account with Natwest from a step to a regular account....denied

The reason according to my manager.....I need to be discharged for at least 6 years!!! (seriously guys...!!!!!!?)

So, as fair warning to anyone that does not want a wasted search on their file in a similar situation....dont bother. Time to go someplace else I think.....anyone have any opinions on HSBC?
«1

Comments

  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    Most are like that now TBH I've asked co-op and natwest both have said the same thing we'll upgrade your account in 6yrs....ah well 3 and a bit to go
    We all die. The goal isn't to live forever, the goal is to create something that will
  • iainmay
    iainmay Posts: 13 Forumite
    Part of the Furniture Combo Breaker
    Well the man from HSBC gave me a yes online, fingers crossed that it turns into a yes when the paperwork is returned.
  • tigerfeet2006
    tigerfeet2006 Posts: 14,030 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    lET US KNOW WHAT HAPPENS iAIN, WILL BE INTERESTING TO SEE.

    eeek!! caps. Sorry about that.
    BSCno.87
    The only stupid question is an unasked one
    Loving life as a Kernow Hippy
  • damoandclaire
    damoandclaire Posts: 210 Forumite
    tigerfeet2006 wrote: »
    lET US KNOW WHAT HAPPENS iAIN, WILL BE INTERESTING TO SEE.

    eeek!! caps. Sorry about that.

    i agree.

    I tried to upgrade my account with lloyds tsb, just out of curiosity, I thought I'd see what they say. they said no cos of my credit rating but, the next day, checked my Credit File and they hadn't searched it lol :cool:
    On the Keyboard of Life - Always Keep a finger poised over the Esc Key! :rotfl:
  • Bosie
    Bosie Posts: 1,218 Forumite
    Part of the Furniture Combo Breaker
    damoandclaire wrote: »
    i agree.

    I tried to upgrade my account with lloyds tsb, just out of curiosity, I thought I'd see what they say. they said no cos of my credit rating but, the next day, checked my Credit File and they hadn't searched it lol :cool:

    The thing with Lloyds they use their own internal scoring, I believe it being 1 - 9 with 1 being the very best.
    So you may have just failed that, there has been a lot on this matter on the Bank/savings threads.

    HSBC, also use behaviour scoring and I think to get certain products you have to have an internal minimum score. There's is out of 100.

    Bo x
  • iainmay
    iainmay Posts: 13 Forumite
    Part of the Furniture Combo Breaker
    well they searched equifax not experian...off to find the who uses who update
  • iquit
    iquit Posts: 1,939 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Good luck IM. As more and more people become BR I think the banks will eventually realise that there is a chunk of business that they're losing by turning us away.
    2019 MFW No. 74 £13700/£30000 (45.66%)
    12k in 2018 No. 98 £6274.19/£18000 (34.85%)
    BTL (start) £97440.00 (current) £68000.00
    Residential (start) £275000.00 (current) £268000.00
  • iainmay
    iainmay Posts: 13 Forumite
    Part of the Furniture Combo Breaker
    HSBC accepted :D
  • iquit
    iquit Posts: 1,939 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Congratulations IM and thanks for letting us know.
    2019 MFW No. 74 £13700/£30000 (45.66%)
    12k in 2018 No. 98 £6274.19/£18000 (34.85%)
    BTL (start) £97440.00 (current) £68000.00
    Residential (start) £275000.00 (current) £268000.00
  • philnicandamy
    philnicandamy Posts: 15,685 Forumite
    10,000 Posts Combo Breaker
    NOT before time IM...well done!
    We all die. The goal isn't to live forever, the goal is to create something that will
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