refused bank acc by co op and barclays

mr_john_3

Hi, I have tried to open an accounts from both places but been refused, is there any other options?

john

philnicandamy

have they given a reason as to why? (is everything as it should be on your credit files? no fraud markers? are you on the electoral role?)

the only alternative which i'm very very very loathed to say are "managed" accounts BUT the fees are horrific plus they usually have a monthly charge of around £12 (ish)

krisskross

What about a savings account? You will have to take the cash out to pay bills etc and no DDs but it would be somewhere for your money to go and accessed.

philnicandamy

Problem is though if the OP cant get a basic bank account they they've no change for a savings one...unless you try YBS internet saver? they do offer savings accs to undischarged & discharged bankrupts without hassles

mr_john_3

No resons given, coop are sending a letter to explain a little but doubt there will be much on the letter, going to try barclays now. I was declared bankrupt on 10th of august this year.

foolishboy

mr_john wrote: »

No resons given, coop are sending a letter to explain a little but doubt there will be much on the letter, going to try barclays now. I was declared bankrupt on 10th of august this year.

Which CoOp account did you apply for? And how did you apply?

...as you're undischarged I still suspect CoOp are your best bet.

HTH
FB

mr_john_3

Went into branch filled in form, but also rang up today as not heard anything and they said i had been refused, I explained situation but they said they could do nothing, also rang barclays and they could do nothing over the phone I have to find out why I have been refused when I visit a branch, I did have a abbey accout which i also rang today and they stated that the account is closing in the next few days as they had recived a letter of the or but if i get them to send another letter they might keep it open, so i rang the or and they said they didnt have a problem with me having that account but noticed they had sent the wrong letter to abbey recomending closure!! when they ment to send one recomending I keep it! so they are sending another letter today explaining this, when I rang back he abbey I spoke to another person and they said the abbey account is going to close as its too late to save it but will review letter when it arrives,
Sorry its a bit long winded,
Other option I guess is them pre pay cards has anyone had experience of them? or what other options is there as need a account as soon as possible.

john

mr_john_3

sorry about spelling i didnt check it before i posted it.

john

Holes_in_my_pocket

Someone people on here have managed to open a nationwide account

philnicandamy

Problem with nationwide though what they give one person isnt always a guarantee someone else can have

mr_john_3

Just aplied for a pay pal card at least it will give me some sort of option, will try to get to nationwide and give it a go, any other options? managed accounts? other pre pay cards without to much charges? just need to get something

john