Help! Refused a bank account.

gj195

Hi, sorry if this comes across weird, using my mobile as i in into panic mode! my OH was rejected by barclay's last week and he has just rang coop about that appliction and has been told he has been rejected also, the guy on the phone said based on the information supplied by experian. What the hell do we do now? Thanks

vaporate

Check your experian report. No joke.

dizzybuff

find out what experian , equifax have on you and your oh , then go from there fixing and problems

http://www.experian.co.uk/

http://www.equifax.co.uk/

cadasaj

You could try the Nat West Step account which gives you a decision in prinicple online straight away.

:j

DarkConvict

I agree with blind-as-a-bat.

You should not be refused the basic accounts at barclays or co-op. Unless something has gone amiss. As there is no credit on the account their is no credit check required.
Do check that the right account was applied for. If you are turned down i am sure they should provide a reason, even if it is brief.

fermi

cadasaj wrote: »

You could try the Nat West Step account which gives you a decision in prinicple online straight away.

:j

Unfortunately, NastyWest won't touch curent BRs with a very long stickish like stick thing. Not even the step account.

DarkConvict

Only the Co-Op and Barclays offer basic accounts to undischarged bankrupts, as it stands.

Deep_In_Debt

Co-op may reject though if you owed them money which went into your BR. However, Barclays don't usually reject even if you owed them money.

They may check the electoral roll so if your oh is not on the ER that may be a reason.

Make sure they are putting you through for a basic account and not a full account.

gj195

Thanks everyone, rang co-op again and was told if we wanted to know why OH was rejected to put it in writing (a job, while i'm at work tomorrow!). Also, tried to look at his credit report but you need to put card details to verify identity...he has no card! Does anyone know how to get around this, i will ring their customer services in the morning and ask. I even tried putting my card details in, thinking that it was just so they had a card to charge, but no joy.

Really frustrating stuff!

YamahaR6

hey, i had this problem too! i got my credit reports by writing to experian etc and sending them a postal order for £2 with my letter.

if you still have no joy, you could try a managed account which is what i had to do. stupidly i didnt shop around first and the one i ended up with (card one banking) doesnt allow direct debits, standing orders only. ive since found out that think money does a managed account that DOES allow direct debits so im in the middle of switching. its not ideal but its a bank account in the meantime while you sort out any problems that might arise from requesting your credit records.

Rupert_Bear

gj195 wrote: »

Hi, sorry if this comes across weird, using my mobile as i in into panic mode! my OH was rejected by barclay's last week and he has just rang coop about that appliction and has been told he has been rejected also, the guy on the phone said based on the information supplied by experian. What the hell do we do now? Thanks

On the positive side you dont have worry about claiming back bank
charges.