The Sub Prime Credit Thread - Part IV

Its-A-New-Age-Thing

fairmorn308 wrote: »

reason i wanted RBS is cause my ex banks with them and if needs money for wee one etc or something its alot quicker for transfering as same day, Also they are in my local town instead of travelling 10miles + to goto my bank

all banks do a swift payment service chaps etc although ud pay up to £35 dependin on the bank for the privilage, its a toughey mate but u need to face facts really theyve now done a full investigation and pointed out you defaulted with them and there tellin u to look elsewhere

basically there tellin u to f!k off, and if u dont want a crap account

i think ull need to..........

fairmorn308

well i do have a current account with A+L with overdraft and got a account with Lloyds TSB, But am tempted to just switch everything back to A+L current account as i switched to Lloyds TSB as had the account for years and they said if i run the account well for 6 months they will consider me for upgrade to a current account, am not sure what to do tho

Its-A-New-Age-Thing

thing with ure ex aswell mate, ask her to open up a account with alliance and leicester or lyods tsb so u have matching accounts she wont have to use the thing, but u might find u get the same speed of payments and convenience u had previously ie lyods to lyods as opposed to rbs to rbs etc.........i cant see it being a biig hardship for her etc

Its-A-New-Age-Thing

as for ure alliance account with overdraft........it might suit to focus on that instead remember ull be able to use any santander accounts if uve branches close by etc as there all the same family.........

fairmorn308

thanks

Think will transfer all my DDs back over to A+L tho

Its-A-New-Age-Thing

yeah look at it this way, alliance and leicester isd part of santander the government doesent own its !!! as it does rbs so surely, that can only ever be a positive??

ask ure ex to open a santander account purely as an emergency solution if u ever need to transfer money to her quickly, ive had one opened for a year and a half NEVER use it and it continuosly reports as active to the CRAS lol

i put £20 in it donkeys ago and used its visa electron 2 times to spend the £20 i never hear from them and they never say there closin my account or downgrade it lol

safc118

Its-A-New-Age-Thing wrote: »

yeah look at it this way, alliance and leicester isd part of santander the government doesent own its !!! as it does rbs so surely, that can only ever be a positive??

ask ure ex to open a santander account purely as an emergency solution if u ever need to transfer money to her quickly, ive had one opened for a year and a half NEVER use it and it continuosly reports as active to the CRAS lol

i put £20 in it donkeys ago and used its visa electron 2 times to spend the £20 i never hear from them and they never say there closin my account or downgrade it lol

I did that once when i was 14 i hardly used my account then i went to put £150 of my 15th birthday money in and i had to pay £25 interest i was gutted.

Glad that i learnt young :rotfl:

fairmorn308

Roll On July = 100% Debt free, 1st time since i was 18 yrs old

Its-A-New-Age-Thing

fairmorn308 wrote: »

Roll On July = 100% Debt free, 1st time since i was 18 yrs old

wanted to ask aswell, what prompted the account closzures anyway? did u ask for some kinda fancy upgrade? and they came across previous misdemeanours?

and how long was ure rbs open before they shut it?

noah271007

fairmorn308 wrote: »

Interesting to see that RBS still hold data of your default back in 2002....8 years ago and used that as a reason to refuse credit facilities. I would have thought that once 6 years (since default) has passed, then all's forgotten???

Maybe RBS have banned you for life?