Another Co Op Question

sportie

The other half tried to open a co op account and has been told that his application has been sent for approval. The bloke on the phone said this was very unusual. Is this normal?

After hearing this, he tried to open an account with Barclays but they wouldn't entertain the idea as one of his unpaid depbts is with Barclays. He has not yet gone BR, do you think Barclays might be feasible after he is BR?

Thanks

GettingHopeful

Has he in fact asked specifically for the Cashminder account with the Co-op? If so, it is unusual, as normally they do only a brief check and give an answer over the phone. Has he also explained that he will be going BR?

If there are debts with Co-op this could be a problem.

Fingers crossed there is nothing ominous about the enquiry. My account with the Co-op has been open over a year now, but maybe people with recent applications will be along to comment on any change in Co-op policy.

fatou256

snap ghetting hopefull .. do you have any debt with the co-op ? be awnr also of the 3 strike and your out rule with the co-op.
i have an account with barclays no problem .

sportie

He did mention BR and yes it was the cashminder account he asked for. As far as I'm aware he doesn't have any debt with Co-op.

BDB1

My wife and I were passed for referral when we applied for the cashminder account, then received our cards in the post about 7 days later.

we were also referred when we asked if we could open a second account as we needed 1 account for bills etc, and another for living expenses, same thing happened again...7 days and the cards were there and the account open.

peachyprice

It's quite normal to be referred when opening a cashminder account, I would say it happens to at least 50% of people here.

I even got referred when I opened a second account in my own name even though I'd had the joint account for a year, go figure :rolleyes:

sportie

BDB1 wrote: »

My wife and I were passed for referral when we applied for the cashminder account, then received our cards in the post about 7 days later.

we were also referred when we asked if we could open a second account as we needed 1 account for bills etc, and another for living expenses, same thing happened again...7 days and the cards were there and the account open.

Thanks BDB1, that gives me a little bit of hope. Do you mind me asking if this was recently?

BDB1

Our initial account was opened on the 1st April, and the second account was the 9th July.

good luck

sportie

peachyprice wrote: »

It's quite normal to be referred when opening a cashminder account, I would say it happens to at least 50% of people here.

I even got referred when I opened a second account in my own name even though I'd had the joint account for a year, go figure :rolleyes:

Thanks Peachy

Mrs_Ryan

I got referred as well (not BR but on a DMP - credit file an unholy mess plus a recent Deed Poll change of name)

It was all fine though - so I wouldnt worry too much.

sportie

Yipee, all sorted. Card received